99 problems. . . . .

. . . .but my life ain't one!

Recently, my bank account got placed on a freeze due to my own negligence. An old credit card debt placed the freeze, Midland Credit Management (MCM). I already know that they're a debt collections agency, so I already know why. So I got to pay up 4K to release my account back to normal.

Now. . . .I got caught up in the moments before this, where the girl I would like to court (yeah. . . I don't want to fuck this one up!) agreed to a date with me. The computer is now operational and faster than it's ever been (Thank you to my WestSide Jedi cohort, Qui-Gon Gil). Taxes are going to be goo this year (I overpaid my taxes by !5$ per paycheck. . .and I get paid weekly!). People I haven't seen/talked to are getting a hold of me and seeing that I am in a better place now (not saying who though. . .high school was a long time ago). And also, there are gigs just beginning to fall into place (Brewhaus at Eastlake w/ Dj's Joe Dirt and Flexander, aka MindzAlike), and then there's the Stage Saloon in Downtown. Safe to say, that this year is still turning out better than any previous year before 2003. . . .

But with the bank freezing my account, I would have gotten me upset, or even depressed. I already know that this is my own fault, but I have talked to a small circle of friends that have let me know what I should and shouldn't do. My options go as such:
1) Claim bankruptcy
I'm not buying a house in the next 7 years. . .but my debt is not that bad). I mean, people are surviving with 6 digit debt!
2) pay it up in installments
But it's going to be through garnishment. . .and there are too many horror stories with MCM. I do not want garnishment through my check. I have a feeling that 25% is way too much.
or 3) Live without the checking account.
I'm deciding on the 3rd choice. I can still cash my checks, I'll just have to go without the plastic for a while until I can figure something out.

Other options that I'll eventually look into: Debt Consolidation. I have heard that this will mess up my credit score even more, but what else do I have to lose?

I'll still be looking into all my options, but I just don't want this little thing to bring me down. (As my friend Acromic would say. . . "It's only money"). Besides, I still go ga-ga seeing her (but I hide it well!). I won't go into details, but she is cute to me, and I don't want anything to bring me down before I take her out to dinner. Thank goodness I can still cash my checks!

Having the friends I have placed this "new" additude in me, and nothing can stop me from doing what I need to do. So enjoy the music. . . I sure have been!

	Colin Munroe - Break Off
	Found at bee mp3 search engine

Take it all in stride, my friends!

Windz One"