How To Start Over

Debt Made Me Change My Identity

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It has now been two years since my business collapsed. Google just suddenly banned me one day, and that was that.

car

The business had been going along really well. I was engaged to be married, and I had just recently purchased myself a new car. Life was grand.

Then, WHAM!!! In an instant, everything changed. My income completely disappeared. I tried talking to the bank manager. He was a nice guy, seemed to care. But at the end of the day, as he reminded me, he was just doing his job.

Within a few months of things ending, the bank came knocking on my door. I still owed them $225k, and it was gaining interest daily. We did eventually come to an agreement though, which was better than nothing.


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The company I had purchased my car through were also looking for their money. Eventually, they repossessed the car. However, they only valued it at $15k, when I had paid $35k for it. So I still owed them $20k, so they claimed. But who was I to argue? It wasn’t like I had the money, whether

I owed them $20k, or just $5k. Then, about six months after THAT email, my fiancee decided that she had had enough, and walked out on me. Taking with her the $15k ring that I had put on HP as well. Another debt that I had thought was under control. Once my now ex finacee moved out, I couldn’t afford to pay the rent, so moved back in with my
parents. Rather embarrassing for a 28 year old. But better than being on the streets. Because I had eventually come to an agreement with the bank, I didn’t have to declare bankruptcy.

debt-letter

At least they were more helpful than the car company. My parents paid off the car and the ring. I was grateful for that. But now I just owed them money instead. About 12 months after THAT email, I finally managed to get myself a job. It was only paying $10 per hour, and was only 20 hours per week, but I guess that was better than nothing.

I started to pay the bank some money. By this time, my debt had ballooned out to $250k with them. I could afford to pay them back at $50 per week. But that wasn’t even paying the interest. So I wasn’t actually making any head way on my debt. It just kept on getting higher and higher.

I was starting to get really desperate. I didn’t know what I was going to do about everything. One day though, I had an idea. Maybe I could change my identity. I spent weeks dreaming about how I could go about this.

birth-certificate

The first thing I needed to do was to get a fake birth certificate and licence. Once I had my knew ID sorted, what should I do? Should I fake my own death? Would I tell my parents what I was planning? It didn’t seem fair for them to think I’m dead, when I’m really not.

Especially after everything they had done for me. Should I maybe change how I look too? Also, how would I survive. If I faked my own death, I wouldn’t have a job, and I wouldn’t be able to live with my parents still.There were all these questions that I didn’t know the answers for.

I spent hours trawling the internet to see if other people had tried this. In the hopes that any who had, would share their experiences.

However, after several days of looking, I became a little disheartened. I guess these people don’t want others to know their secrets.

Just as I wouldn’t want others to know my secret too. It was highly frustrating. But I vowed not to give up until I came up with a valid idea of how to make this work. Nothing else was working, was it?!

Resources:

http://www.nytimes.com/2013/01/15/science/in-debt-and-digging-deeper-to-find-relief.html

http://www.usa.gov/topics/money/credit/debt/out-of-control.shtml

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