One of the things that recovery has done, and I know that idi will also back this up is that the things we have let go of, ie clothes, hair, appearance etc come to the foreground a bit and we consciously do things to improve all of that. No matter what age we are we can make an effort with what we have although sometimes it does feel like a losing battle… Idi is losing weight and when I was destitute my hair grew out grey for a year but it now has a nice colour. I had never left it that long but the gambling aftermath meant that I had no money to get it done.
Just pay the credit card company what you can afford and battle it out with them over the phone. Whichever way you look at it, taking you to court serves no one. And if they get aggressive with you, I would either calmly or equally shouty state your point… I have done this and they have left me alone for some time now. But the calls have started coming again so will have to deal with that.
