Burdened with debt

Last night we received a very disturbing phone call from hubby's brother who he has not really spoken too in about 8 years. They aren't estranged really, they just don't have anything to talk about.
Big Brother has been receiving numerous harassing phone calls at his home in another state attempting to contact the hubby.

This company had refused to identify them selves, used aggressive language and scare tactics & had a number on the caller ID that didn't ring anywhere. They basically convinced big brother that hubby had used his name and contact info on a credit application and then ran with the goods.

I would like to note, we are paid in full on all of our current bills and I have begun to pay off old balances on things like credit cards that had fallen to the wayside as we were starting our family.

After a quick google search I learned the creditor in question was NCO financial, like many other collection agencies they have a slew of websites devoted to bashing them and their collection practices.

Because this blog is about growth I'm going to share with you things I learn about the collections process and delay with consumer debt. Currently our credit scores are pretty low, around 630. I hope to be able to report back in a few months with a marked improvement in our scores.

Wednesday Weigh In 4/27/11

Start weight 308.4
Current weight 286.4  Again///
Same as last week
total loss to date: 22 lbs.

This weight seems to be a barrier for me. I was up a bit on Monday as I usually am after the weekend.

Monday evening was inspirational for me, instead of our normal boring, indoor craft girl scout meeting we hit the wood and hiked! if I calculated it correctly we did about 1 mile in about 40 min. on the moderate level coarse.

Best news, not only did I keep up, I often set the pace! My 18 year old assistant leader and her mom lagged behind as the girls and I wondered and chatted threw the forest. I really wish every meeting could be like that.

Wednesday Weigh In 4/20/11

Start weight 308.4
Current weight 286.4
Down  3lbs from last week 
total loss to date:

What a differance a week makes. I seams I'm down 3 pounds from last time. Bringing me back to my 2011 low of 286.4. I've been making a strong puch to eat when I am hungry. Not alot, just something. so far it has seamed to help, I feel better and I'm losing weight again!

Wednesday Weigh in 4/13/11

Start weight 308.4
Current weight 289.4
UP! 1.6 lbs from last week

The diet is about the same, if anything I ate less. I did get a ton of exercise this weekend. I also drank a lot on Saturday night.

Monday when I weighed in I was shocked to see 294.6. Prior to the weekend I had been down to 287.4 so I had "gained" 7.2 lbs in 3 days. Please not this is not my time so the gain  is not cycle related.

I have found my body to be a storage machine in times of stress. Looking back on the weekend I think working a full week and working Thursday and Friday at the bar and hiking 3 hours Sat then drinking until 4 Sunday at might have been more then my body could handle. My food intake was low.

Thursday:
crackers for breakfast
pizza for lunch
Cheese fries and 5 wings for dinner

Friday:
crackers for breakfast
Cheddar bowl appetite for lunch
chicken and rice for dinner
1 moz stick around midnight

Saturday
Mcdonalds steak egg and cheese bagel with OJ for breakfast
Corned beef Reuben with fries and Mt. Dew for a late lunch
No dinner...
a few pieces of Easter candy while hiking. 1/2 gallon of sweetened raspberry tea while drinking.

Sunday:
no breakfast
Summer sausage and crackers Late lunch (snack)
Salad with french dressing, 4 stuffed shells and garlic bread for dinner.

As you can see, I'm not sure I even ate 7 entire lbs. of food...  I think I need to eat more often on the weekends.
I have been neglecting a trip to one of my favorite discount groceries because then I get home late but this week I have to bite the bullet and just go!

It will be nice to have fresh pepper and other produce in the house.

Wednesday Weigh in 4/6

Start weight 308.4
Current weight 287.8
down .2lbs from last week

Not so good...