i didnt want to "advertise" this but i need help so bad its not funny......were going to loose our sleds and a lot of credit if i cant figure something out soon!!...well here goes...we owe a lot of money on our sleds aabout 2 weeks ago they came to get them...but my bfs mom saved them and now were obligated to save her money and our sleds.........we have no extra cash to pay the bills for them but we dont want them to take them and we cant get what we owe for them....so if you know of ANYTHING i can do please, please help!!!!......i need some advice, or references.........this is killing me because i love my sled and just typing this is making me choke back tears but i dont have a choice at this point.......anything would be appriciated!!!!

get a stamp and stamp "DECEASED" on all your bills and send them back? HIDE the sleds in a different location immediately..

get a stamp and stamp "DECEASED" on all your bills and send them back? HIDE the sleds in a different location immediately..[/b]

It's hard to snowmobile from behind prison bars when your locked up on fraud charges.

You might contact a local Credit Counselling agency that helps you to consolidate all of your debt and work out a budget and repayment plan that you can live with. It may mean having to curb any extra spending for a little while but it'll be worth it in the end. You may also consider just parking them for the next one or two seasons to give yourselves time to catch up on other obligations. This is an extremely expensive sport anymore and the cost of living just keeps going up and up.

Good luck with this. We're all here rooting for you two.

Jeff

Credit counseling is good advise. They take of of problems like this every day. Don't be ashamed. It happens to the best of us.

Hope you stay a part of the site and that you'll come on down to the cook-out again this fall.

Keith

It worst comes to worst I would sell the sleds for the most you can get even if means taking a loss. If you owed 8k and sold them for 7k I would rather try to pay of 1k and save my credit. If you cant afford to pay off the little loss then you will not be able to afford the entire amount of the loan. This is a hobby (obsession for most) but getting into credit troubles is no joke and it can take a long time to fix. I would hate to be without but that is better then having them reposed.
I have never used one of the credit counseling services but I have been told that they reflect very poorly on a credit report similar to having a bankruptcy on there. So you might talk to some one at a bank or someone that handles finances and ask them before you use a credit counselor.
Good luck and no need to be ashamed. With this economy there are more people then ever who have situations come up.

I have never used one of the credit counseling services but I have been told that they reflect very poorly on a credit report similar to having a bankruptcy on there.[/b]


I wasn't aware of that about credit counseling. I guess it might be better to go see a bank to see about a consolidation loan if it's feasible. Have you talked to the bank carrying your present loan(s)? Maybe they would be willing to work out some extended terms for that you can more easily afford. They really don't want to deal with repossessing your sleds any more than you want them to take them. Banks can be quite accommodating sometimes if you are up front with them about your present position.

Good luck!

Sorry to hear of this Switch ! The economy in our state is just terrible and I'm hearing more and more about people having to give up the toys in order to maintain the essentials.

One thing to remember is your both young and if it comes down to selling the sleds you will most likely recover and get different ones later.

Sometimes we just have to prioritize what it is we need vs what we want, and make decisions from there.

Do you have a strict budget in place already? If not, get one quick ! Consider if your sleds fit within your budget. ( the payments only ) If you can swing the payments on your budget and maybe just keep them parked this year, that is what I would do. If just making your payments will be tough, well a serious evaluation of what is important should be priority.

Whatever you do, DON'T IGNORE THE BANK ! (answer thier calls and set up an appointment to discuss your options).

I wish you all the best, and remember you are not alone especially in our state at this time. Chin up !

Snow4

I was under the impression that the only time counciling was bad on the report was if they got creditors to write off part or all of the loan. thus leaving a write off on the report.

good luck switch, i hope you can get yourself out of your troubles soon. call the bank and ask them what options you have.they will help

talk to banks, talk to credit counselors, personal loans work great if used wisely. There is never a bad strike on your report if you talk to a person. PAY THE BILLS! even if it is just $20 on a $200 payment it shows good faith. never pay nothing imo.

I was under the impression that the only time counciling was bad on the report was if they got creditors to write off part or all of the loan. thus leaving a write off on the report.[/b]


Look at it this way-even if credit counselling does reflect poorly on your credit, it's no worse than a bankruptcy or a repo. Credit Counselling, especially if you follow through (and learn from it) al least shows you made the effort to be responsible for your debts....... And if they are sending the repo guy out, I'm guessing the credit score is not so great anyway.

Go, get on a bduget and get out of debt. Good luck!

I think everyone has given great advise to you best of luck.



Rick

It's hard to snowmobile from behind prison bars when your locked up on fraud charges.[/b]
to add along with what jeff said, i think i would sooner have bad credit then a fraud charge.

I say the same as Paul Good luck!

thanks guys!!!..your all wonderful!!!....i guess its work time huh?....lol........im trying to stay optimistic but its hard sometimes you guys help with that a lot!!!

I don't want to sound like a dick, but somebody has too.

If your so upside down that you cant make your sled payments and you owe more than its worth - just man up and take the hit. The sleds not even that old and you haven't even made that many payments on it. You know you wont be able to sell it in the summer unless you lowball - say $5000 for your switchback - then you still owe on it anyways. I mean come on, there are more important things at hand here like say the house payment.

If your circumstances are that bad, just give it back to the bank cause you cant afford it. Talk to a credit counseler and see what they say. Depending on your other bills at hand, this may be your best bet. It's better to lose the sled than say your car - or your moms car.

I don't want to sound like a dick, but somebody has too.

If your so upside down that you cant make your sled payments and you owe more than its worth - just man up and take the hit. The sleds not even that old and you haven't even made that many payments on it. You know you wont be able to sell it in the summer unless you lowball - say $5000 for your switchback - then you still owe on it anyways. I mean come on, there are more important things at hand here like say the house payment.

If your circumstances are that bad, just give it back to the bank cause you cant afford it. Talk to a credit counseler and see what they say. Depending on your other bills at hand, this may be your best bet. It's better to lose the sled than say your car - or your moms car.[/b]


Is that what you would do? Just give up? Not sound advise at all.

Is that what you would do? Just give up? Not sound advise at all.[/b]
I agree. I bet his job is not related to advice on credit. to give it up would hurt badly.

Is that what you would do? Just give up? Not sound advise at all.[/b]
I agree. I bet his job is not related to advice on credit. to give it up would hurt badly.[/b]
No, I am not a credit consultant. I'm just giving a real world example of what happens every day in the car buisness. Me personally, I may not ever buy a new current model year sled - as the second you take it off the showfloor it depreciates by almost 20% and your automatically upside down. Not knowing all the circumstances in this case (ie. other bills to pay) its hard to say what I'd do. I'm just saying that sled repos aren't uncommon.

Don't get me wrong dude, I really hope you can work it out to keep your sled - it'd be a hard thing to let go.

Don't get me wrong dude, I really hope you can work it out to keep your sled - it'd be a hard thing to let go.[/b]

I too would agree that this is not sound advice given.
It costs nothing or next to nothing ($10 around here.) to explore your options talking with a credit counsellor.
Then you'll have all the facts to make a decision that you can live comfortably with.
So I stick with my original advice.

BTW Fireball, that "Dude" is a "Dudette".


Jeff

:bash: ooooopsss... so sorry there dudette.. no offense.

ok......I came up with a huge budget plan and it is probably going to work its VERY tight but...well i have to make it work........oh fire ball as far as other bills....my house payment and truck(which is mine) i pay FIRST!...then comes the sleds.......but anywho...yeah im not going to give up it will screw us for 7-10 years and im also not ready to give up sledding if i dont have a sled in the winter i will go nutts.....as far as sled payment i decided to let the cc companies eat dirt for a bit and i am only paying for now what has to be paid ...sucks when i got the sleds i was getting ssi on top of my pay so for a while it was easy to pay for them....but then i lost it and tony got laid off and we got behind.......being grown up sucks!!!...lol....i have been paying for everything i wanted my whole life though and i always will .....sometimes i wish i had parent help it would have been nice.......lol........anywho i will kepp ya posted how my budgeting works ...cross your fingers ...it should be ok unless one of us gets laid off again....then its back to plan-B...whatever that is....lmoa!!!....thank-you EVERYONE...i love you all soooooooo much!!!

have you guy`s considered second jobs ? ebaying unused items ? got a garden to supplement your table and income ? (giant pumkins go for 25- 50 dolla EACH around here in season) got property to board horses or lease to a local farmer or put up a small shack to rent to hunters , sledders ? breed fancy dogs , cats ( or whatever critters you choose ) just trying to help . M

[quote]
Welcome to the real world. LOL Glad to hear that you can make things work out. Like I mentioned in the PM I sent to you before. If you need any help. Let me know.

lol...yeah we have sold almost everything else we own....lol....tony had a truck he has had for 11 years it was a 94 chevy pickup...when he bought it it was almost new in 96 and paid almost 22,000 for it and had to sell it for 800.........we have sold an army truck, parts for a junk quad, we even drove in the woods to find scrap metal....lol...we always have side jobs tony cuts lawns and does any yardwork...hes amazing with a mower..lol...and in the winter we plow ...and shovel roofs.......we are willing to do just about anything to make money.....so....if anyone needs something done and lives close by....let us know ......were work aholics..........i have a second job but its on-call in the summer........my job i have now is more than enough for me though i work a lot ..last week in 2 days i put in 32 hours!!!...and only got 3 hours of sleep in between shifts cuz its a 45 min drive one way to/from work.........but yeah anything close by that needs to be done or if you know someone ....do share :)

[quote]




thank-you snow prowler but i could never ask you to do something like that....i appriciate it .....damn my own adopted parents would never even do that!!!.....to think of it noone would ever do that besides you ........cant believe you offered...that shocked me...your a wonderful person ....all the more for sw.....nice to have people like that in this site ......you helped by just being here for support.........sometimes its nice to know there are good people......ya know?......well...if i come to the cookout and i bring the sled you all know everything is ok.......im really hoping i can bring it for everyone to see my decal and paint job(i did it myself....lol)...oh man!.......i gotta tell ya this ...i went to make my truck payment in grayling and on the way back i stoped at the dealership just to see what they would give me if i sold it.........well....they put it in 4 wheel drive and it wouldnt come out and it was grinding and banging ...scared the crap out of me....so i was stuck in grayling with it for quite sometime they had taken my truck in the back and tore it apart to figure it out cuz i couldnt drive it home it was so bad.......well they found my vac. lines to my acctuator melted on my exhaust and it was apparently off long enoug that it was causing my drive from my trans. case to my differential to drive in reverse all the time and thats what was happening ..........agh!......what a friken week...lol....on the way home tonys tire blew off and our tv took a #### this week ..i kinda fixed it but the screen looks crappy...kind expected it tonys sister gave it to him 10 years ago to pay him for the work he had done for her...so it was a little old and the vcr(its a tv/dvd/vcr combo thing) was acting up a while ago...anywho...yeah im good at getting into stories and not shutting up...sorry!!.....anywho.....wonderful week.....lmao!!!

:thumbsup: Glad to hear thing are looking up for you and Tony !!! Hope see youguys this winter :wink:

well shortly after i did this and things were looking better....it went to the s#!& hole again!!..lol...tony lost his job and 2 days ago lost his sled, and they wont work with us to get it back we either pay whats left and the repo fee or no sled....HUH!...i feel so bad for him if it wasnt for him i would never have gotten into sledding and i wouldn't have a sled and worst of all i would have never met you guys....so yeah thats an update on whats going on....im pissed cuz he traded in his baby his 2003 polaris prox that was PAID for so i could get my sled..and for what??.....total loss!!...ugh!....anywho just needed to vent..also i have a few things im putting in the for sale section so maybe i can save my sled if your interested in ANYTHING let me know!!...also we will be offering some room for rental in the winter for those who want to come up for a weekend or whatever you have full acess to our property and a place to store your sleds as well as only being 1.5 mile from the trail....let me know if you need a place to stay while in gaylord i am very reasonable, and we would love to have you!!

Whatever you do, don't do anything illegal. It's not worth it when (not if) you get caught.

Sell the sleds. Get your stuff together over the fall and buy cheaper sleds come winter if you can afford it.

Bad credit (which will follow you for life) is not worth a snowmobile season.

Good luck.

Whatever you do, don't do anything illegal. It's not worth it when (not if) you get caught.

Sell the sleds. Get your stuff together over the fall and buy cheaper sleds come winter if you can afford it.

Bad credit (which will follow you for life) is not worth a snowmobile season.

Good luck.[/b]
thanks but ...read the post above yours!!...yeah..too late now..lol

thanks but ...read the post above yours!!...yeah..too late now..lol[/b]

Yup- I missed that.

Sorry for everything. Hopefully everything works out for you come winter :thumbsup: .

thanks drop!!...i hope so too im so tired of this.....SOMETHING needs to go right in my life someday...but thats MY luck...lol...never had it good or easy and i dont think i ever will like thew old saying goes the rich get richer and the poor get poorer...only thing good about being poor is i figure it says in the bible the meek shall inherit the earth...damn i hope that comes soon!!!...lol :confused:

Geeeez Switch.....I'm sorry to hear this happend. I know it seems easy for me to sit here and type this but perhaps a year off of sledding to regroup and figure out things is exactly what you both need to be able to enjoy this sport without all the stress and worry of money.

Snowmobiling is one expensive sport to be in and I know that Rick and I were not always in a position to be able to ride, especially as young as you and Tony are.

It will happen for you two, hang in there, keep your chin up, keep plugging away, and things will start to improve for you both !

Snow4

thanks snow4!!...if tony can find a job i think well get things caught up but theres no jobs here and we cant survive on my $10 an hour income...cuz that aint crap!!....hes been looking for about a month he could get in with the county proabaly if he had a CDL but we dont know anyone who will loan us a semi without charging cuz we cant afford to rent one if he could get his CDL he could have any job he wanted hes so smart and the best worker i have ever seen this man can outwork any man i know ....and he is always on time and never shows up to work drunk like a lot of guys i know...lol....he has tons of expierience doing so many things, firefighter, heavy euip. operator, diesel mechanic, pipeline, well service, general laborer, kitchen and bath installation, as well as building countertops, he did deliveries for them also.....and this man is amazing with a shovel..lol.....so yeah!..i dont get why we cant find him a job other than the fact he has no certifications...if anyone knows anyone hiring for anything like that please let us know .....trust me it will be worth it!! thanks everyone for your support its helped me a lot more than ya'll know....its nice when i get really down i can come here and vent and know that i wont be judged or put down and i always have a "shoulder" so to speak...love everyone!!!

Sorry to hear about everything. I was just wondering this week how things were going actually. Hopefully your hubby can find a job this winter. Id say about taking you up on the offer to stay at your place this winter but the wife would never go for something like that. Me and tunedbyear stayed at Sawman and Tempest's house on here two winters ago and she was a nervous wreck about that. It was great for me and tuned, had a great time. Anyhow good luck finding him a job, Ive read about a couple people in MI having hard times finding jobs, dont sound like the economy is doing that great up there.

Boy, being away all summer I missed this. I feel bad for you. Just remember two things.....it's never too late (for you guys to get your credit and finances in line, no matter how little you start with), and good things happen to good people.

I've been in the lending/credit business for 10 years. This is the time to lean on your family if they are able to help. I know it means swallowing your pride a little, but you would do the same for them, wouldn't you? If you have writeoffs out there, get someone to cosign for you and get a personal loan to pay those off. Even if you pay them off, you will still have to hound the credit bureau's to update your credit, but it is well worth it in the long run....like down the road when you want a new car, house, etc. Life is a lot easier with good credit. Stay away from credit counseling if you can (this is why I say lean on your family if you can). CC is a double edged sword....they sell it as a very nice way to manage and pay your debts, but they don't tell you that several lenders will not extend credit when they see credit counseling on your bureau. Right now you need to put your pride away and get things straightened up. One of the biggest faults people have is thinking starting with just $10 or $20 bucks here or there won't make a difference....it will though. Cut out any unnecessary spending for a while, and put that money away or towards a bill.

You guys have each other, and that's a lot more than some other people have. Keep your eyes open for opportunity...it usually shows up when/where you least expect it.

Gotta learn to buy what you can afford and not worry about the Jones

Lots of personnal bankruptcies(sp?) lately because of people and loaners giving cradit to people that should not have it

Good luck in the future

Gotta learn to buy what you can afford and not worry about the Jones

Lots of personnal bankruptcies(sp?) lately because of people and loaners giving cradit to people that should not have it

Good luck in the future[/b]


:blush: Hey FB what can you afford when you lose your job? I would not matter if it was a 120 with no job :huh:

Hey Switch. Sorry to hear of this. Isn't there any kind of construction work up there? It seems that with all of Tony's qualifications { being certified / or not } He should be able to find work. I could come up for a weekend in the winter. Just let me know how much your charging. BTW. My offer still stands. Things will get better in time. Everything happens for a reason. Just have to look for what tomorrow brings, instead of today. Think POSITIVE. It will get better. Have faith. :thumbsup:

thats the sad part there is construction and his brother in law was a foreman for one big one but nobody is hiring the economy is so bad its not even funny im lucky to have a job even if it only pays $10 an hour its better than have worked for gerogia pacific or the kimball companies they took 500 jobs out of gaylord....thats half the town dang near....lol....anywho you are more than welcome to come to my home snow prowler i wouldnt charge much just let me know how long and when you want to come and i will let you know.....i have to discuss it with the "boss"(i let him think he is sometimes :whistling: ) as far as the family thing without delving into my past to much lets just say thats not an option...i dont have that luxury...nor does he his family is not doing so well either ...i noticed the people who work the hardest for what they want/have always get the #### end of the stick where as the people its handed to get it easy and good......thats sad to me....i wonder why this is...good people always finish last cuz the bad guy finds a way to cheat...lol...thats my opinion/expierience....but anywho...snow i know you want to help but my damn pride .....ive never had anyone help me and i dont know how to take it or accept it.....seriously ive been buying my own stuff since i was 11 i ran a rabbitry at that age i sold show rabbits, meat, and auctioned at the fair to pay for clothes for school and supplies as well as food for the house....not to mention to feed the animals....ive NEVER been handed anything.......its not that i dont appriciate your offer cuz i do more than you know i just ...well.....i dont know what to do.....im so overwhelmed i cant sleep at night...worst part is that im only almost 24..i shouldnt go through this at my age...i never had a life...i dont know what its like to have a childhood or to not have worry...sorry guys im an emotional wreck my whole life everytime something starts to look good in my life out of no where im hit with everything that can be thrown at me and it just gets worse then it gets better than before then again its worse than before........when we got those sleds its cuz we just wanted something nice..i feel we deserve it for everything we do for others.....we were financially stable at the time....i didnt even have a lawn mower growing up sledding was new to me and i fell head over heels for it..its my first good outlet...ive got a lot of anger and when i ride it goes away all the problems in my life stop for the brief moment im on that sled and the faster i go the better i feel.....ugh i have so much going through my head right now but im sure most of you know exactly how i feel about sledding...is not a hobby is my passion..i live for it....the smell, the feel, the speed, the freedom...its amazing!!....noone wants to give that up ..ok i have to stop now i just wanted to share my passion for this sport....

ever think about relocation? I know the railroad has openings for diesel mechanics. some were in the yard so no travel, however travel pays much better. the operators union (heavy equipment) here has a major need for operators.

Yeah - the economy does suck. I work for Louisianna Pacific (Georgia Pacific) and we were laid off for 30 days already this year and another 1 - 2 month layoff is scheduled starting Sept. 12. Because of this I have sold my boat and one sled to prep myself for the coming months with reduced pay. I'll have no problems paying the bills but will have to make some lifestyle changes throughout the winter.

I hope your guy finds a job, a CDL and a little driving experience and he should be in good shape. Sorry to hear you lost a sled, hope you can keep the other.

Hey Switchback, most of the OTR trucking companys will train you if you can pass the physical. Try J.B. hunt or Schnider trucking. Most of them start out at 40-50 K per year and they can't get enough drivers! There are always adds in the paper and on T.V. so I would look up these companys online or check out the OTR help wanted online! The will pay while you learn according to the adds!Most people cannot pass the drug screen that is the biggest reason they can't fill the jobs!

Hey Switchback, most of the OTR trucking companys will train you if you can pass the physical. Try J.B. hunt or Schnider trucking. Most of them start out at 40-50 K per year and they can't get enough drivers! There are always adds in the paper and on T.V. so I would look up these companys online or check out the OTR help wanted online! The will pay while you learn according to the adds!Most people cannot pass the drug screen that is the biggest reason they can't fill the jobs![/b]
they have a huge turnover because of the pay and promissed days off. the pay don't go as high as they advertise and they will not get you home as much as they say. I have a buddy that did go to hunt and was told 45,000. his first full year was the second he was there and only got to 32,000. told home every 2 weeks and will go for months before passing through.

thanks for the advice guys...hes been kinda looking into the truck driver thing hes a very good driver and more importantly drug free :cool: ...yeah dooman i know what you mean by that..we were looking at one in the paper that promises $650 a week and all weekends off but i dont know if its true..even if it was every other weekend that would be ok to as long as the pay really is that good....gotta be better than mine...lol. hes also been looking into going back to the oil field it sucks to live out of a suitcase but we need money..itll be worth it in the end it pays pretty good...#### i told him i would be ok with him doing that deadliest catch..only cus i know hed be good at it..lol

Your gonna make it Switch I feel it in my HEART!

Your gonna make it Switch I feel it in my HEART![/b]


well dave then there must be something good coming....lol..thanks buddy!!....i hope so...i need a damn break!!! :(

ugh!..looks like i wont be ridin for the next 10 years...they were going to get our other sled..mine..the day of my bday but i told them to get it before then...so i dont have to look at it anymore......im so sad...i know a lot of people think its ridiculious to be this sad over a sled..its just a machine right?...wrong!!.......it made me happy...something i dont get to feel very much.....im so heart broken....God im crying writing this....lol....i never thought we'd loose them...when we got them our finances were great...i never ever thought this would happen.so this is my last post on this subject.....not sure what ill come here to talk about now.....

ugh!..looks like i wont be ridin for the next 10 years...they were going to get our other sled..mine..the day of my bday but i told them to get it before then...so i dont have to look at it anymore......im so sad...i know a lot of people think its ridiculious to be this sad over a sled..its just a machine right?...wrong!!.......it made me happy...something i dont get to feel very much.....im so heart broken....God im crying writing this....lol....i never thought we'd loose them...when we got them our finances were great...i never ever thought this would happen.so this is my last post on this subject.....not sure what ill come here to talk about now.....[/b]
I'm sorry Switch... :( I know you are really bummed out right now. On the sled thing I would suggest a voluntary turn in of the sled vs a repo. I know it would be hard to do but I believe it would save you some money for the repo of it. I'm not sure on this but I think they tac on charges if they have to physically come out and take something. Again, I'm not sure.

You and Tony will be ok, remember that a sled is a toy and it's just not in the cards right now to have that expensive toy. Get your finances together and it won't be 10 years before you ride ya know? You and tony may not be able to finance for a few years, but you can always just buy something outright. It's plastic, rubber, and metal Switch.....Remember that ! You have eachother to get through this....ok?

You know that sleds are not the only thing we talk about here and I hope that you will come here often to chit chat about whatever ! I need help with these men sometimes girl ! lol

I feel sad too but I also feel like maybe this will be a fresh start for you and Tony to be able to get back on track. I'm always just a phone call or PM away if you need to talk. Chin Up ! :wink:

Snow4

I'm sorry Switch... :( I know you are really bummed out right now. On the sled thing I would suggest a voluntary turn in of the sled vs a repo. I know it would be hard to do but I believe it would save you some money for the repo of it. I'm not sure on this but I think they tac on charges if they have to physically come out and take something. Again, I'm not sure.

You and Tony will be ok, remember that a sled is a toy and it's just not in the cards right now to have that expensive toy. Get your finances together and it won't be 10 years before you ride ya know? You and tony may not be able to finance for a few years, but you can always just buy something outright. It's plastic, rubber, and metal Switch.....Remember that ! You have eachother to get through this....ok?

You know that sleds are not the only thing we talk about here and I hope that you will come here often to chit chat about whatever ! I need help with these men sometimes girl ! lol

I feel sad too but I also feel like maybe this will be a fresh start for you and Tony to be able to get back on track. I'm always just a phone call or PM away if you need to talk. Chin Up ! :wink:

Snow4[/b]
Well, it seems like I was gone for what happened to you switch... I read previous posts on the subject, and I feel terrible for what you had to go through. I know that if it was me, I wouldn't even be able to write the reply you had about losing your sled. Things are tough right now, but once you are a rider you will always be a rider. Keep thinking positive and everything will work itself out.

keep positive,
-Frank

Switch...I feel for you losing your rides and the job situation..we have always paid cash for our rides and finance things like cars..have faith,, there will be other buggies in your future I am sure of it..Maybe before you buy your next ride save what cash you can to buy them outright, then you wont have the worries of payments..Here in Canuckville we have coin for 1's and 2's, we throw them all in a jar (or try to Tim Hortons doesnt take interact) and use them for vacation or toy purchases, even trail passes. Good luck girl and dont worry things WILL look up for you.

Hey switchback. So sorry that this happened. I ain't got the words to describe on how I feel for what you went through :( . If it's any consolation. When I can make it up there to your area to ride. I'll let you take my sled out for a run. :thumbsup: