Can I get a break here?

Can I get a break here?

Nov 06

Financially things seem to keep hitting me. First I get a letter saying a student loan I owe for NYS went to court and is a summons from August I never received until mid September and then the site is 6 1/2 hours away in the capital so there is a default judgment against me. I’m going to assume they’ll end up taking this from our taxes as well.

Then I get a letter from the IRS saying my 2007 return was off because my income was higher than I reported. Apparently when I totalled my car and the bank forgave the loan due to gap coverage, that should’ve been counted as income but I was never made aware of this. I never received paperwork from the bank, IRS, or any one stating how much of the debt was forgiven so I couldn’t report it. As a result, I owe them $455. Randy and I are going to let them take it out of our 2009 return since we are getting a refund this year anyways but URGH. It’s annoying.

Then today my mom says I received a certified letter from my old insurance company stating that in my accident in June of 2007, the injuries possibly exceeded the bodily injury limits of my policy (Which were $25,000/person and $50,000/total). I hit a car from the rear end when I came over a hill and didn’t brake fast enough. Both vehicles were totalled and I was ruled at fault obviously and insurance paid the costs of the vehicles and I’m wondering WHY I was just made aware of this 2 1/2 years later? In the letter it states I have the possibility of hiring an attorney as well. I called the insurance agent and she hasn’t returned my call yet. UGH. I’m frustrated. I find it hard to believe the injuries exceeded $50,000 and considering i have no assets it’s not going to be feasible to try to get anything from me either. I’m really not in the mood to deal with all of this crap.

I keep wondering what is next? I hope that the 3 rule applies here. I need a break from these sudden financial hits.