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     <title>Down and out in debt</title>
     <guid>http://www.destroydebt.com/blogs/jneely989/244-down-and-out-in-debt.html</guid>
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     <pubDate>Tue, 17 Jun 2008 08:10:48 GMT</pubDate>
     <description>One of the most frustrating situations in which to find oneself is in debt with no place to turn.&amp;nbsp; And I mean, no place.&amp;nbsp; You cannot get loans because your credit score is in the gutter.&amp;nbsp; You cannot get out of debt because your income seemly does not allow you to make the extra paymen...</description>
     <content:encoded><![CDATA[One of the most frustrating situations in which to find oneself is in debt with no place to turn.&nbsp; And I mean, no place.&nbsp; You cannot get loans because your credit score is in the gutter.&nbsp; You cannot get out of debt because your income seemly does not allow you to make the extra payments necessary to unbury yourself.&nbsp; And worse yet, no one you know will help you.&nbsp; This is a common place for those who are overwhelmed by debt.&nbsp; A place that has no friends.&nbsp; A place that has seemly no hope or help.&nbsp; Now, I know why people go into depression.&nbsp; When you feel the pressure of finances closing in around you, it is easy to succumb to its forces.<BR><BR>  &nbsp;<BR><BR>  That is where I found myself.&nbsp; Due to a nasty, protracted divorce, I was at the bottom looking up.&nbsp; I had no money in savings, no money in retirement.&nbsp; My cash life policy I was forced to liquidate.&nbsp; I also had to give over my favorite truck to the creditors.&nbsp; Then, the final blow was bankruptcy.<BR><BR>  &nbsp;<BR><BR>  But, even after that I felt caged and trapped because I had a sense of entitlement.&nbsp; Someone should help me.&nbsp; I’m a nice guy who, through his own actions, was caught up in a bitter divorce and all of the bad things that go along with it.&nbsp; Now, I needed someone to step up and help me.&nbsp; It never came.&nbsp; As a matter of fact, it still has not come.&nbsp; And it has been six years since the divorce was final.<BR><BR>  &nbsp;<BR><BR>  Until I stopped being a victim and started to work my way out of the financial mess that I made, did I begin to see that, yes, I was to blame. &nbsp;But I was determined not to sit by any longer and feel sorry for myself because those I knew would not give me any money.<BR><BR>  &nbsp;<BR><BR>  I am better off today because of that.&nbsp; I’m getting there financially, and I have a road map for success.&nbsp; But it all began with this singular attitude change.<BR><BR>  &nbsp;<BR><BR>  You must face this, too, if you are going to move beyond your circumstances.&nbsp; This is a seminal decision in your life.&nbsp; In order to have the strength and determination to move forward, you have to choose what you will be; victim or victor.&nbsp; So, what’s it going to be?<BR><BR>  &nbsp;<BR><BR>  Start living the life of a victor today.]]></content:encoded>
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