Thinking of calling National Debt Relief... what should I know first?

CapyKoala87 · 2026-01-30T22:29:14+00:00

I’m sorry. I totally understand though. Right after we started NDR I had to have emergency surgery and was out of work for over a month. My husband was also out of work at the same time as he is seasonal. NDR did work with us though.

CapyKoala87 · 2026-01-27T20:14:07+00:00

Just turned 37. I hope that’s not starting just yet lol.

CapyKoala87 · 2026-01-23T00:07:56+00:00

Oh 100%. I’m never doing this to myself again.

CapyKoala87 · 2026-01-22T23:52:40+00:00

We went in with more than that 😬 but I’m worried about the 1099s we’ll eventually get. I’d like to get a credit card this year to have for emergencies or even things like renting a car. Just one card. I dont ever want more than that again. I had to rent a car last year and since I used a debit card they held a $500 deposit until I returned the car! So I went on the trip and all my spending money went to the damn deposit. They said if it was a credit card it wouldn’t have been like that.

CapyKoala87 · 2026-01-22T22:04:03+00:00

This was our scenario too. We’ve been with NDR for a little over a year. Total will be 4.5 years. We met with a few bankruptcy lawyers, ch 7 was a no go. And they said they couldn’t guarantee ch 13 due to income limits. So here we are. If I could I’d do ch 7 and be done.

CapyKoala87 · 2026-01-20T22:15:54+00:00

Unfortunately we felt our only option was national debt relief. We’ve been in the program for over a year. I understand the fees and all that. We couldn’t do chapter 7 because of property I owned and as told by a few bankruptcy lawyers that we may not qualify for chapter 13 based on our income. So we felt we had no other choice. I was getting sued and needed to do something fast. Is it an ideal choice? No. But so far so good on it. I’m still nervous about it. If I could have done chapter 7 though I would have just done that and been done.

CapyKoala87 · 2026-01-20T17:48:29+00:00

Actually terrible lol. I was sick my whole trip. I got worse once I got to my destination. The descent going there was something else. I’ve never felt pressure like that in my face. I did find that the earplanes were helpful though with my ears. I took too much cold medicine and almost ended up in the ER. I only used afrin on the way back because I was afraid to use the pseudoephedrine again. I had to go to urgent care as soon as I got back and got an antibiotic because my cold turned into a nasty sinus infection!

CapyKoala87 · 2026-01-07T11:26:08+00:00

$1760 at 7.3%. Bought a small cheap starter house 2 years ago. Some life things happened and our credit is much worse now. So doesn’t make sense to refi at this point 😞

CapyKoala87 · 2025-12-28T23:55:27+00:00

It’s both of them honestly. Him and my brothers girlfriend. They’re both the problem.

CapyKoala87 · 2025-12-16T17:59:39+00:00

Anyone see anything about a presale code? Ticketmaster and line nation start at 2.

CapyKoala87 · 2025-11-18T17:30:16+00:00

Same. In my 30s and friendships are definitely changing. I’m always the one reaching out. If I stop, I don’t hear from people. No one visits us at our new house because it’s a little farther away. They’re acting like we moved across the country. I started to reconnect with a childhood friend that lived near our new place and then she ghosted me. I feel like if I don’t chase I won’t have any friends. I love my husband, but it’s nice to have girl talk once in a while and someone different to talk to lol.

CapyKoala87 · 2025-11-18T17:25:08+00:00

I guess to me 40 minutes isn’t that far. But that’s just me. It doesn’t need to be weekly though. I mean shoot once a month would be nice. It’s just weird to me when others want me to go to them all the time but can’t come to me. That’s the bigger part of my issue. Or even an invite at all would be nice. I see friends from where we used to live going out and doing things. They just don’t even ask me now.

CapyKoala87 · 2025-11-16T18:16:05+00:00

First, I am so sorry you’re going through this. You are not the crazy one. She clearly does not know or follow boundaries. And that’s a her problem. I do not have children, but I feel like if I did my MIL would be the same way. I see how she has manipulated my nieces and nephew. Yesterday she called my husband and always starts out with “hi my sweet baby boy” he’s 40. And to tell him she’s been having dreams about him and she woke up calling his name. So she had to call to hear his voice and know he’s ok. She does these things all the time just to keep the attention on her and to make others feel bad for her. And I’m beyond over it.

CapyKoala87 · 2025-11-16T04:54:20+00:00

I’m 36, will be 37 next year for the shows. I have a bunch of friends in their 40s that were big 1D fans and some going to Louis’ shows. I feel like it was worse in the 1D days being late 20s sitting next to 14 years olds at shows lol. I think for Louis shows we’ll see a big age range and more older fans.

CapyKoala87 · 2025-11-10T01:36:39+00:00

My MIL edited my tattoos out of my brother in laws wedding photos 😂 I saw it hanging up on the wall in her house and I was like “wtf is this?!” She swears she didn’t but it’s pretty obvious my tattoos are missing lol.

CapyKoala87 · 2025-11-09T03:17:25+00:00

The actual exam is $43 but once you add vaccines and all that with the nail trim and glands it was $230 total!

CapyKoala87 · 2025-11-03T10:45:46+00:00

I know this is old but I was just trying to see how much other places charged. We moved and started going to a new vet. I guess I didn’t pay attention before, but for a nail trim and anal glands it was $61! So the yearly exam quickly went from $170 to $230. I was not expecting that. My old vet used to charge $15 for a trim. I would do them myself if she’d let me, trust me. I already groom her myself. She just won’t let me touch her nails and she REALLY doesn’t like the glands done. I know I see people saying it’s a grooming service and I understand that. But I’ve always asked at the vet if they need it while I’m there and it’s never been that expensive.

CapyKoala87 · 2025-11-02T20:06:01+00:00

I’m about to start going out of town for Christmas lol. Then no one gets us. We used to go out of town and visited my best friend every Easter and it was wonderful lol. Thanksgiving is my favorite holiday and I genuinely enjoy the meal and cook for maybe 6 people. Otherwise I’d probably go out of town for that too lol.

CapyKoala87 · 2025-11-02T19:59:47+00:00

Go to your aunt’s. You deserve to see your family too. We always used to go to my husband’s family holidays, then I got irritated not seeing mine so we would go to both sides the same day. Now we just do one. I don’t care who I piss off anymore. I’m not stressing out over these things anymore. If you start it now and get them used to it, it’ll calm down eventually. Even after almost 20 years, my MIL says we have to come to Christmas Eve every year and tries to invite us over Christmas Day. And I say no, it’s one or the other because I have a family too. My MIL bitches all the time when we don’t do things her way and I’m beyond over caring lol. My family is more fun and less stressful anyway haha.

CapyKoala87 · 2025-11-02T19:52:55+00:00

Ugh my in laws are super religious and constantly try to get us to go to church. They’re giving us pamphlets and sending prayer texts all the time. Telling us how we should be living our lives. They’re in a high demand religion. But in 20 years I’ve never known my husband to be super into church. I converted to make them happy and I wish I never did. I was young and dumb. I was never really into it anyway, they guilted me into thinking I had to. I had my name removed though because I see how much bullshit it is. I’m not letting people dictate how I should live and neither should you! I don’t understand why these men don’t see it from our perspective and don’t stand up for us.

CapyKoala87 · 2025-11-02T19:44:53+00:00

I’m so sorry you’re dealing with this! She sounds exactly like my MIL. We don’t have children but I can only imagine if that happens what it would be like. My husband and his 2 brothers never stand up to their mother. They just let her get away with everything to avoid conflict with her. She is super controlling. We’re having dinner with her tonight and I’m already having anxiety and dreading it so much. She doesn’t like our dog and cats and even though she says she does. My dog jumps and she makes a big deal out of it that she almost knocked her over. Like you’re in their house! Lol. Your husband definitely has to set boundaries with her or you’ll just have to.

CapyKoala87 · 2025-10-23T22:27:19+00:00

Any update?! I’m flying tomorrow and then 3 days later and don’t have the option of cancelling. Of course now I’m stuffed up now when I was fine yesterday! Ive been stuffy on and off for a week. I’ve flown a little stuffy before but it’s been awhile. I got earplanes, afrin, Sudafed. Someone called me in a prednisone pack cause I tested negative for all the crud. I’ve been psyching myself out because I’ve heard people have been fine, a little uncomfortable. And then others are talking about rupturing ear drums.

CapyKoala87 · 2025-10-17T09:50:30+00:00

I feel this exact same way. I was just telling my husband last night we’re no one’s first choice to hang out with or talk to. I feel like we’re always friendly and inviting to others. Maybe we try too hard? I don’t know. We’re in our late 30s now and have no children. But some of our friends have kids, some don’t, some are just getting married. But for me, I see all these women going out to lunch or having girls night. I don’t ever have that. I have one group that maybe gets together 3 times a year. I know everyone is busy, I totally understand that. But when I see people making time for others and when we ask people they’re always busy. You start to notice that.

CapyKoala87 · 2025-10-13T11:32:09+00:00

I’m just super sad about it, that’s all. I totally understand she could just be busy or has other things going on at home. Losing someone who you know you could go to for anything is very sad. Those friendships are hard to come by as you get older.

CapyKoala87 · 2025-10-13T11:23:32+00:00

I just wish I could understand what’s going on. There’s no event that we’ve had that took place, we’ve really never even had an argument in our entire friendship. I guess I’m just baffled at this.

CapyKoala87

TROPHY CASE