It's 7:21pm. I'm working. I'll be working every day until I'm dead, and thus don't need to be anywhere in particular. Boring? Yes. Read something else. Other stuff. I'm feeling defensive because of embarrassment. I'm not taking calls. I'm very busy considering starting Don Quixote. It's a fat book, so I might not be taking calls for a month.
I talked to the credit card people. Several months ago, I managed to cut down my debt on this line of credit to $10,000. Due to one late payment, my APR was raised to 24.9%. I called and talked and talked, but nobody who I got on the phone was able to hit the button to put my APR back at 9%. The guy at the desk on the phone literally was not given that option. I cross-examined several of those guys thoroughly. I moved the entire $10,000 balance to a new line of credit that boasted 0% APR on balance transfers for some number of months, 8.9% after that, no payments for months and months. When the payments were supposed to begin, I didn't have money. I got calls from a '904' area code starting at 5am sometimes. I got the calls frequently. A couple times a week, I answered the phone and explained that I was looking for a job. I had $130 to my name. They made a "note" in the "system." Their notes followed my progress, and eventually they formed a short biography. "Christopher Harne has only $130. Bianchi touring bicycles are certainly respectable. Now he's down to $11. He's looking for work as a bicycle mechanic. He said he was looking for work as a dishwasher."
I answered the call yesterday sounding indigent and miserable, but ultimately willing to work something out. How about this: $170/month, 0% APR for 12 months? That was their suggestion. Accepted. I have 12 months to fire bullets at that balance.
I'm not going to talk about being drunk or poor. I'm not drinking, and I'm working on it. I'm very busy, and my phone is made out of untouchable fire. My life is way too fantastically awesome to spend any portion of it weeping. I mean that. I am sincere in that statement.