Well after a week of holding my breath, the loan application was denied.

All told shit happens. I've been spending a lot of free time this week tightening my finances and making worst case disaster plans.

There is a silver lining to this cloud. I called up the legal firm that Visa engaged to take me to court, and explained the situation (all my efforts to remain in good faith and pay down the balance despite my rocky financial situation) and the representative agreed, it wouldn't look good in court for Visa. So while this isn't the closure on my whack of debt I had been hoping for, the largest chunk has been appeased, to some degree.

I just hope Visa's not stupid enough to take me to court, because doing some research on previous cases, if they insist on taking me to court now (after trying to get a loan, being denied, and expressing it in writing my desire to continue making regular payments against the oustanding amount) it could be construed as extortion. Which would be grand, because that means the debt would be wiped out and I might even be compensated.

But that's a far fetched dream.

For now, it's time to buckle down, enjoy lots of spaghetti, pasta sauce, garlic and bulk chicken.

Gonna be 20 some odd months until this is all cleared up XD

Yes, I'm still budgeting for AC09, I desperately need a vacation, soooo :D

I'm going to be revising my commission structure, probably leaning heavily towards limited slots per month and an auction or two a month for something very extravagant.

Go here and bid now :3 http://www.furbuy.com/auctions/1005218.html