Woodforest Bank: Last year I took out a loan. I wasn't in my right mind at the time. I ran out of my psych medications, and I was suffering from a tramatic PTSD episode. I ended up in two hospitals, and jail overnight because my mind wasn't even in the right kind of setting to be paying bills.  Georgetown Texas

 I feel like the banker at the time needs to be REAL careful about who they give loans out to, had I been in my right mind I would have never taken out an over-draft. But I did, for absurd reasons. I even ended up in detox in jail and got a 150 dollar ticket. And I forgot to turn off my gas bill and lost the mail because my roomate at the time threw me out, after I was sexually assualted, and I just didn't need to be doing anything at that time.

All I ask is that Woodforest Bank disputes this Bill because right now, I have a phone bills, I can't get approved for an apartment because my credit is between 550 to 685 and there might even be a chance, that someone at my old address is using my name on the Texas Gas bill, and I don't have a copy of that either. I take half the blame and i'm willing to pay between 20-50 bucks of it for acting foolish but $366.43 for a bank loan over-draft is just ridiculous when you only make $9.00 bucks an hour part-time at heb. I even had to put my school loan on hold for a year because of Woodforest banks bogus bank teller, who's name I forgot, because at the time I don't even think I knew my b/f's name anymore.

DEAR, TRS RECOVERY SERVICES

RIGHT NOW, I'M IN DEBT. I HAVEN'T BEEN TRYING TO AVOID PAYING MY BILLS ON TIME. I'VE JUST BEEN LOW IN FINANCES. WHEN IT COMES TO MY FAMILY, MY ROOF, AND STUFF LIKE GAS, RENT, MOVING EXPENSES, GROCERIES, HOUSEHOLD ITEMS, CLOTHING TO LOOK PERFECT IN A SOCIETY WERE WOMEN HAVE TO LOOK BEAUTIFUL WHILE THERE AT HOME AND WORK, MY FATHERS CAR GETTING STUCK AND BREAKING DOWN COSTING HIM 586 DOLLARS TO REPAIR IT AND ME ONLY MAKE $9.00 AN HOUR AT HEB. IT IS HARD TO PAY OFF THIS KIND OF DEBT. i HAVE LOADS OF MEDICAL BILLS, AND OTHER EXPENSES I CAN'T EVEN PAY BECAUSE THOSE MAIN THINGS. I LISTED HAVE TO COME FIRST. AND YOU CAN CHECK MY CURRENT CREDIT REPORT IT SHOWS THAT I PUT MY FEDERAL SCHOOL ON A LOAN BECAUSE SHE SAW MY PAYCHECK STUBS AND FELT BAD FOR ME. I ONLY MAKE BETWEEN 35-300 BUCKS A WEEK. HOW IS A GROWN PERSON SUPPOSED TO PAY BILLS LIKE THAT? AND STILL HAVE ENOUGH LEFT FOR HERSELF TO FUNCTION?

AT THE MOMENT. I'D LOVE TO BE ABLE TO SLAME DOWN $366.43 TO PAY OFF MY BILL AND STILL HAVE LIKE 1,000 DOLLARS LEFT. BUT UNFORTANETLY, I HAVEN'T BEEN ABLE TO FIND A SECOND JOB YET AND THAT'S WHAT I HAVE TO DO EVEN THOUGH; I WAS DIAGNOSED 8 YEARS AGO WITH PTSD, SKITZOEFFECTIVE DISORDER, BI-POLAR DISORDER, AND DEPRESSION. WHEN PEOPLE IN YOUR PERSONAL LIFE HAVE HURT YOU AS MUCH AS I HAVE, FAILING TO TAKE CARE OF MY DEBT, IT'S KINDOF HARD TO CARE ABOUT ANYTHING. EVEN YOURSELF AT TIMES. IT'S NOT THAT I'M TRYING TO WHINE OR USE EXCUSES. BUT I ALREADY HAVE A 150 DOLLAR PI TICKET FOR ONE NIGHT AT THE BAR WERE THERE ACCUSING ME OF BEING DRUNK WHEN THEY DIDN'T EVEN BOTHER TO GIVE ME A SOBRIETY TEST. WHICH ALL HAPPENED AROUND THE SUMMER OF 2013. IF YOU WANT PROOF. I CAN MAIL YOU MY MEDICAL BILLS, AND MY DISCHARGE PAPERS FROM ALL MY PYSCH HOSPITALS.

IT'S KINDOF TRICKY. I DON'T HAVE MEDICAL INSURANCE. EXCEPT A MAP CARD WHICH CAN ONLY BE TAKEN AT ONE HOSPITAL, WHICH I THINK IS BOGUS. PEOPLE SHOULDN'T HAVE TO PAY TO SURVIVE, INSURANCE COMPANIES SHOULD PAY FOR HEALTH CARE EXPENSES WHEN YOU MAKE BELOW THE POVERTY LEVEL, LIKE I DO. THE HOSPITAL IS MAD BECAUSE I ALWAYS WENT IN FOR MIGRANES AND NASUEA. BUT WHEN I GET THIS I FEELING I FEEL SO WEAK I CAN'T EVEN WORK. I EVEN HAVE A WITNESS THAT CAN VOUGE FOR ME, SAYING I WAS CLOSE TO DEATH LAST YEAR AND I ALMOST DIED. I FELT MY BODY WEIGHT BECOMING HEAVY, AND I WAS IN HIS ARMS WHILE HE WAS CRYING REALLY BAD. SO IF BRACKENRIDGE OR WHATEVER TELLS YOU IT WAS ALL FALSE ALARMS, IT WASN'T. IT'S CALLED A HEALTH CHECK TO MAKE SURE I'M NOT DYING.

I'VE BEEN IN RETAIL FOR SEVENTEEN YEARS AT VARIOUS STORES LIKE CVS/PHARMACY, WALMART, KROGER, HEB, KOHLS ETC.. BUT STILL MY COMPANY WANTS TO PAY ME LIKE A TEENAGER. EVEN AFTER I GRADUATED AND GOT AN ADMIN CERTIFICATE FROM SOUTHERN CAREERS. TO SAY I DON'T FINISH THINGS WOULD BE A LIE. I MIGHT BE SLOW AT GETTING THINGS DONE, BUT I DON'T IGNORE THINGS. I'M JUST NOT RICH ENOUGH TO PAY WOODFOREST RIGHT NOW.

AND HAD I BEEN IN MY RIGHT STATE OF MIND WHEN I TOOK OUT THAT OVER-DRAFT, LOAN, OUT AT WOODFOREST BANK, I WOULD HAVE TOLD THEM I DIDN'T WANT IT. BECAUSE I'M LOOKING BACK ON IT AND I BLAME MYSELF FOR BEING OUT OF MY MEDS BUT MY ABILIFY IS LIKE 500 BUCKS AND MY MAP CARD NO LONGER PAYS FOR IT, AND I REALLY NEED THAT MEDICATION IT HELPED ME.

AT THE TIME I WAS OUT OF MY MEDS. THE PYSCH DOCTORS ARE SILLY THEY DON'T KNOW WHAT'S REALLY WRONG FOR ME. I REMEBER SEVERAL TIMES I TOOK RISPERDOL, AND PROZAC AND THEY BOTH LOCKED UP MY JAW AND THE RIGHT SIDE OF MY HEAD AND I ALMOST DIED FROM AN ALLERGIC REACTION. AS A RESULT I CAN NO LONGER TAKE THOSE MEDICATIONS. I CAN'T REFIL MY TRILOFON BECAUSE I DON'T HAVE THE TIME TO EVEN SET UP AN APPOINTMENT, BECAUSE I WORK DURING THE DAY NOW AND I HAVE TO FIND THE RIGHT TIME TO GO IN. I HATE REQUESTING TIME OFF WORK BECAUSE LIKE THE BILL SAYS, I NEED MONEY MORE RIGHT?

SO PLEASE DO ME A FAVOR AND CALL TRS RECOVERY SERVICES AND SEE IF THEY WILL DISPUTE THIS d**n BILL. THAT'S ALL I ASK. SO MY CREDIT DOESN'T SUFFER. MY CREDIT WAS FINE BEFORE THIS. I NEVER TOOK OUT ANY PAYDAY LOANS. I EVEN SIGNED FOR MY ROOMATES CAR, AND GAVE HER 400 BUCKS TO HELP HER WITH A DOWN-PAYMENT ON IT. SO FAR SHE'S MADE ALL HER PAYMENTS ON TIME. AND WHEN I USED TO RIDE IN IT, I HELPED HER WITH GAS AND HER CAR-PAYMENT, AND ALL THE PAYDAY LOANS THAT SHE TOOK OUT UNDER HER NAME. TO SAY THAT I'M A FRAUD WOULD BE A LIE. IF YOU DON'T BELIEVE ME I CAN GIVE YOU HER NUMBER AND CAR-MAXES NUMBER, MY NAMES STILL ON IT AS HER CO-SIGNER.

I REMEBER WHEN I MOVED OUT OF MY OLD DUPLEX. WE MADE ALL OUR RENT PAYMENTS ON TIME. AND MY NAME WAS ON THE ELECTRIC AND GAS BILL. WE MADE REASONABLE PAYMENTS ON IT. BUT THE BILLS WERE SO HIGH THAT IT COULDN'T HAVE BEEN OUR DOING. IT WAS MOSTLY HER BOYFRIENDS AND THE PROPERTY IT SELF IT HAD GAS AND ELECTRICAL PROBLEMS BEFORE WE MOVED IN. I REMEBER ONE TIME WE GOT MAILED AN 18,000 DOLLAR BILL THAT WASN'T OURS AND I CALLED UP THE ELECTRIC COMPANY AND HAD IT DISPUTED. AND THERE'S A GOOD CHANCE SOMEBODY IS USING MY NAME ON THE GAS STILL, BECAUSE I DON'T HAVE A COPY OF THE GAS BILL TO PAY THEM OR TURN IT OFF BECAUSE I DON'T REMEBER ALL THE INFORMATION. MY ROOMATE SAYS SHE DOESN'T HAVE ANY OF MY MAIL, ALL OF THAT GOT LOST WHEN WE MOVED OUT, BUT SHE WAS NICE ENOUGH TO MAKE A 400 DOLLAR PAYMENT ON IT FOR ME AND I'M GREATFUL TO HER FOR THAT ONE.

AS YOU CAN SEE I'M AN HONEST PERSON AND ALL I ASK FOR THIS MIX-UP IS THAT YOU DISPUTE THIS LOAN AS SOON AS POSSIBLE. SO I CAN FOCUS AND PAY CATCH UP ON EVERYTHING ELSE.