big day for me today, very stressful, one of the toughest days I've had in a while, but very good feeling to get it done.
its a long story, but I had an old and large debt left over from when I left Israel. basically, I made a miscalculation and ended up owing some money, and then, for the first few years in the US I wasn't making enough to pay it off and the fucking bank/credit card company ballooned it into a huge amount. so for years I've wanted to deal with it, and when I tried, I couldn't get them to negotiate to a figure that I could pay, because lets face it I don't want to cripple my family to pay off a debt. I made several offers over the years, including, maybe 5 years ago, to pay off a significant part of the total in monthly payments over two years. I wasn't able to close it up, and I let it sit.
anyway, a couple of months ago I got back into negotiations with the bank, it took a few months but we reached a deal, a little more than I wanted to pay but about 80% less than they wanted from me. then, we closed the deal and I needed to come up with a chunk of money right away, as the deal required me to pay a chunk of money immediately or face penalties. as it turned out, I had just paid for my son's summer camp and I had booked and paid for my families vacation, as well as a couple of other expenses which sort of burst my currant account, and I had earmarked my short term savings for paying off the debt. so this morning I spent the day scrambling to put together money, that I would have had available next week on payday but didn't have easily accessible today. it was very stressful.
anyway, so I am done with that, it is like a huge burden off my neck.