Friday, June 30, 2023

 A few things.

The circuit breaker tripped again on the rv after I turned the ac on - it had been on maybe 25 minutes before it clicked off.  I let it cool down a while and then flipped it back on. AC came on, but then the compressor kicked out. This time, instead of flipping the circuit breaker, it just left the fan on with no compressor. 

Yes, I got up on the roof, removed the cover and cleaned it out. There were wasp nests in it and a large accumulation of dirt on top of the compressor. But after cleaning that all out, there was still no change in the compressor status. I called a guy that's been coming in the park fixing people's RV's. He asked if it was 30 or 50 amp service?  I have it on 30 amp.  Well, if there's an electric water heat in there, that will cause that compressor to not work.  

Well, I don't know what's in there for a water heater, I haven't found it yet.  I flipped off the other circuit breakers but no change.  The compressor still not working properly.  I asked if he could come over and diagnose it, see if it's something repairable or does the entire unit have to be replaced? It turns out he was coming to the park today anyone. One of the guests has an AC that is also not working.  

After that I went and discussed this situation with the dude at the tent.  I guess he just sits out there all day long under trees and - bakes.   I had pretty much come to the conclusion they don't want to work, the alternatives are to pay or leave.  Pay, apparently, she allegedly was going to pay me this morning....I'll find out about that when she returns later on.  Apparently she is selling plasma for income.  Whatever floats your boat.

Onto the debt relief company.  45 minute conversation.  It's not really the greatest thing in the world after listening to the entire spiel - but it's not the end of the world either.  They go through all the options til they get to the one they like to do. Debt consolidation, which I don't qualify for, credit counseling, bankruptcy and finally their deal.

Their deal is that you stop making payments to the creditors - credit cards - and they take over.  Reduce your payment by half and they deal with the threat calls from the creditors.  You make the monthly payment into an account, when enough money is in there, they make an offer to one or more of the creditors, typically half of what you owe and they either accept it or deny it.  Your credit score takes a nose dive for awhile but allegedly after a year or so it comes back up and more than when you started.  

I had to ask how they keep the creditors from breathing down my throat?  "We've been doing this since 2002, we have dealt with every creditor on your file and we will handle the calls". 

I dunno.  Sounds a bit sketchy to me.  Plus, good luck ever getting a credit card again.  Certainly not with any of those companies.  The other solution? Just go back to work for a couple of years, pay the debt down at least a grand a beyond the minimum payments, pay down one card at a time.  One card down? There goes over $200 per months payment.  

One thing that call did do was shock me to death. I had no idea I was paying that much money in credit card payments every month.  Not going to go into specifics here, but it's very high.  The thing is, if I do go their route, will I still have to go back to work anyway? If the answer is yes, then there is no sense in doing this. Couple park income with employer income, pay a ridiculous amount of money per month to get the card debt to start disappearing and I could have it done relatively quickly. 

I dunno yet. I'm going to think about it.  Perhaps I could keep one of the cards off of that situation and at least have one credit card available.  One that isn't racked up too high and still has significant amount of credit available in case of emergency.  BTW, this is also including 2 loans on there.  As I say, I'll have to think about it. The guy said he would call back next week. Yes, please do, I'll hopefully have made a decision by then. 

But first? I'm going to research this company and see what others have to say about it.  Is it a scam or is it legit?  

That's it  It's already 3:00 pm. 95 degrees with a heat index of 107. Getting into my SUV after being over there for several hours it was the same feeling as getting into a hot car in Arizona.  I can't leave windows down, those wasps will fly in and try to make a home somewhere.  The shed is nice and cool anyway. 

That's all for now.  I'm going back over there and see if I can find the water heater. I know it's not a propane heater because previous owners filled the exhaust hole in with bondo type substance.  







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