fidgetbug...
I know what you are going through and I feel for you deeply. Consult an attorney asap about this, the bank cannot require you to pay all that you have until a debt is cleared up they can only take a certain percentage of pay. They cannot put you in a position to starve your family or wind up homeless. Most attorneys will give a free consultation see what he/she has to say about how to handle the situation.
I want you and your husband to sit down and put on paper the following:
Your total combined income each month
How much is your rent and utilities per month?
How much is child care per month?
How much do you spend on things your child needs every month?
How much do you spend monthly on groceries, gasoline , etc
Then subract the expenses from your income to show your net total
Take what the bank wants from you from that and show the atty the damage that will do to your family.
STOP this instant in kicking yourselves in the teeth for what happened, it has happened to countless thousands of other people and these scammers are darn good at looking innocent and honest, they know what to say, how to act, when to tweek the psychological ploys to keep victims hooked, you are not alone and you should be focusing your anger at the ones who did this to you.
Above all else take care of YOU, you are pregnant and you should not be stressing out like this, if the stress begins to affect you negatively make sure it becomes a matter of record with your doctor immediately. This could help you in the future concerning the bank issue.
The bottom line is that you owe the bank for what you did send to the scammer and spent, there is no getting around this issue, BUT stressing out will not make matters any better. Think clear , remain as calm as can be and clearly and as lucid as possible show the bank that they have to come up with better terms as this will not happen , they cannot by law force you to starve your family or become homeless. Tell them you are willing to work something out but it has to be an arrangement that you can comfortably afford to adhere to, not one that will place your family in jeopardy.
_________________ Silence is a thief's best friend, Word-of-mouth is his worst enemy. Pass the word! brought to you by Fraudaid.com where victims always get FREE help.
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