Okay. In an attempt to help get my networth out of the negative area, I'm selling a few things on ebay including The Motley Fool's Investment Guide which I started at just 99 cents.

Let's just hope everything sells. :/

My networth is currently -$9,392. That's not including any cash in the checking account since that's technically the boy's income nor is it including what I owe to my mom for back rent from when I was unemployed the last time. It is including debts that aren't technically mine but that are in my name such as where we had to fix boy's car (he's paying it back to my card plus some). It's also including the amount that my old cell company claims I owe them that I still say I don't.

Speaking of that, I got a notice from the collections place saying they would be taking $320 and some change from my account on the 16th. Like hell they will. I didn't authorize that amount nor for it to be taken out on that date and I've already filed a claim through my bank for the last amount they overcharged. Oh, and I STILL have received no written documentation from them aside from this notice.
Saturday morning I will be going to close my current bank account and open a new one.
I also called the cell company and finally got them to agree to take the debt back on and let me handle it through them. I made it clear, without actually saying as much, that if they forced me to go through this credit agency they would not be receiving a single cent.

As far as at least one of the credit agencies is concerned there's nothing remotely bad on my credit report. It just shows my credit cards and that they've all been paid on time and I haven't paid less than what's due. So that's good.

The good news is we were able to pay for the radiator in cash and only the rental car will be going on to a credit card.

The bad news is the creditor who is claiming I owe them more than I do chose a rotten collection agency to collect the debt. They have lied to me about several things, violated the law in a couple of ways, and I've had to report them to the FTC.
Before I realized they had lied and such I agreed to make a $50 payment to them this weekend to keep it from going onto my credit report yet. I'm now wondering if it's on my credit already and they lied about that (probably) and I feel like my bank account has been jeopardized. As soon as the boy's latest paycheck clears I'm going to go in and cancel my account and get a new one. Our joint account has been approved so I can use it until the new one's fully open.

I feel sick over this whole mess and I may end up having to contact a lawyer, which I cannot remotely afford.

Make $100 profit on eBay.
To be put towards my debt. I want to kill 2 birds with one stone - clutter & debt. I'll include the 2 things I just sold in the total but not anything sold before that. Shipping cost and ebay & paypal fees won't count towards the goals so it has to be the profit made once those fees are taken out.

(It also all goes towards the $20 challenge. So, maybe it's 3 birds with one stone? Hmmm.)