Doctoral Disclosures

I don't know what I'm doing or even if I have any standing to fight this. I'm so tired and angry I'm just numb. -They merged with the bank that had our loan. -They lied about how far behind we were on payments. [They say three months, it was maybe two weeks/one payment. But Lie paid two months with money orders and didn't keep the other half of the slips.] -They refused to let us cure [pay the overdue amount] and demanded the entire amount owed in full. -Then they sold our perfectly maintained car that had just had a full tune up and an oil change for fucking NOTHING. And the only reason the payment was late was because it was the same week that I got pulled over by a cop hoping to arrest my partner for driving with a suspended license. Because of a camera trap ticket we never got and we had to spend three days chasing down where it was and how much we had to pay to make it go away. Because I never have any fucking money and I had no idea how much it would be until we found out and I had to pay that first. Literally I settled the ticket on a Friday night, she got up to go to work and they'd taken our car. It was also the same Friday that my card got stuck in a malfunctioning gas pump around midnight and had to be deactivated and left behind. So I had no debit card at all for 10 days. But even if they settle for less then the full amount, they'll still want a lump sum that I don't have. We ended up having to get a different car because we couldn't get ours back and the only way we could get a loan for that was to get a more expensive car with low mileage. So now my monthly car payment is $525 instead of $324 when I was already struggling just to keep everything paid. We each also had to take out a small loan to get the down payment as well so that's another $100 a month from each of us. My best bet is probably to try and negotiate some way to pay it off. But of course I can't do anything about it, because the notice arrived on a Saturday and their office is closed until Monday because fuck me and my literal physical deterioration from stress. [Not kidding. I have a horrible peeling rash on my right hand that won't heal no matter how much hydrocortisone/rash cream/moisturizer I put on it.]

So here's my tin cup, if anyone wants to help. I don't know what else to do anymore. I'm just miserable.

I went around the house looking for anything vintage I could sell too. So there are a few new things in my shop.

https://www.etsy.com/shop/PatchworkLaboratory

Spoonflower doesn't give much when things sell. I get a $1.50 from each yard of fabric that gets bought. But it's a bunch of my original artwork if anyone needs fabric that isn't AI-generated slop.

Trigger warning skin issues. Just so no one accuses me of exaggerating.