Mental Health Thread • Page 477

Credit scores are a scam I hate them but something in collections is a long way from being permanently damaging. It’s not super urgent or anything but it’s something you’ll want to get to the bottom of. Once you find out who is claiming the debt send them a debt validation request under the FDCPA. This blog walks you through it:
What is a Debt Validation Letter? [Free Template]
If you’re on top of your bills which it sounds like you are it’s probably a small amount that fell though the cracks somewhere. Or they’re just mistaken and won’t be able to validate it.

 

Yeah idk why I guess I was naive enough to assume I'd get a notice if anything was gonna be sent to collections?? A scary red window envelope letter or something idek. Like if y'all want ur money I'll pay it but idek what it is. All my recurring bills and credit cards are on auto payments so it has to be a medical something maybe? But I've paid up everything I've received at least that I'm aware of so I'm racking my brain. No use worrying about it now and I need to redirect my brain to something else and not let it ruin my day but my anxiety is wanting to override my logic. Uggh

 

Feeling low and meh today. In the middle of increasing the dosages of my two meds and I’m sure they’re largely responsible for my physical issues but hard to ever fully convince my brain it isn’t something else. Also annoyed with myself for gaining weight on the new meds. Gotta work on that.

 

This time of year is extra depressing because I thought I was going to spend the holidays with someone, only to have my heart broken instead.

 

This exact thing happened to my aunt last year. It ended up being a medical bill and was under $20!! They said they sent her a physical bill (she doesn’t do anything online) but she never actually got the bill in the mail so she had no idea she owed anything. She got it all taken care of and her credit score is back up but still ridiculous all that happened over less than $20! I hope it’s something similar for you and not anything major and you can get it sorted out asap!

 

Fuck I'm depressed. I haven't gotten out of bed.

 

Me the past two weeks