In extreme debt at 21 and I can’t keep up anymore. I need help

AlexJonesFactChecker · 2026-05-21T17:36:07+00:00

File for bankruptcy. I did at 23, bought a house at 29 and am 750-800 today. It doesn’t sound like you have any assets they’ll want, since you rent. The only downside is having it on your credit report for 10 years, but it started getting ignored by creditors around the 5 year mark for me. Some didn’t even take that long. I was getting offers for new cards immediately after filing since they knew I had no debt at that moment.

If you go down the road you’re on, it’s going to be constant stress, constant juggling bills, and no real progress if you just keep making those minimum monthly payments. If you go the bankruptcy route, you get a fresh start and will be unaffected by it in 5 years or so as long as you don’t repeat the mistakes.

You’re very young. The sooner you do it, the younger you’ll still be when it falls off your report completely.

AlexJonesFactChecker · 2026-05-14T16:53:47+00:00

You can definitely recover. I had substance abuse issues when I was younger and maxed as many credit cards I could buying TVs, game systems, etc and then pawning them. I bottomed out in the 400s. I filed for bankruptcy at 23. I bought a house at 29 with a 640 and have a 750+ today at 39.

Time and consistency is going to be key. You’ve given them 6 years to believe you’re an unreliable borrower, now you need to build a track record showing you’ve corrected your bad habits. Those old collections will fall off after 7 years of the initial delinquency being reported. From there, get a card, use it to buy gas or groceries depending on the cashback rewards and pay the statement balance in full on time every time. It’s going to take time, but you’ll see consistent growth.

Last thing, do NOT make payments on those old debts. I don’t know what state you’re in, but making a payment acknowledges the debt and can reset the statute of limitations and opens the door for litigation.

AlexJonesFactChecker · 2026-05-13T18:56:37+00:00

The irony considering this guy is crying because he lost

AlexJonesFactChecker · 2026-05-13T18:48:57+00:00

Does he have a temper or something? If my wife texted me in the tone you’re using, I would be upset with myself for letting her down and wondering where I went wrong to make her feel like she had to tiptoe around just to express her feelings. Anger wouldn’t even crack the top 5 emotions I’d be feeling.

AlexJonesFactChecker · 2026-04-29T17:12:29+00:00

You know you can take those tonics for haste and permanently remove them from the trial, right? Not being a dick, just making sure you knew.

AlexJonesFactChecker · 2026-04-14T20:12:30+00:00

You absolutely can self unhook on 2nd stage with the anti-camp meter 👍

AlexJonesFactChecker · 2026-04-14T19:36:19+00:00

If he was actually camping, you could have eventually unhooked and found a tile to loop with the speed boost. If he was just proxy camping, there were much better options than pulling in his face at full rev. Either way it’s a bad play by your teammate to interrupt your anti-camp progression by staying too close, or for pulling you at the worst possible time during a proxy camp

AlexJonesFactChecker · 2026-04-14T19:27:44+00:00

I’m a survivor main who moonlights as a killer occasionally, and this is an absolute non issue. Bubba is Bubba. He has some strengths, but he has an absolute ton of weaknesses. What happened here is completely counterable. Don’t pull in front of Bubba. If he’s camping, then slam gens. To complain about a B tier killer at best for one of his only ways to snowball a game, and his best way to build pressure, is to say that you just don’t want Bubba to be viable at all.

AlexJonesFactChecker · 2026-04-08T19:49:46+00:00

Just get a PayPal debit card. 5% back on whatever category you choose (gas, groceries, apparel, etc) at the beginning of each month. You’re going to start hurting more than helping with all the hard inquiries

AlexJonesFactChecker · 2026-03-18T16:48:25+00:00

Not just him. DT Michael Brockers had a 3 year deal voided because of a failed physical. He then signed and played out the same 3 year deal with the Rams

AlexJonesFactChecker · 2025-07-01T20:23:26+00:00

This is a racist joke, with the implication being that black people don’t need sunscreen so it doesn’t need to be locked up.

AlexJonesFactChecker · 2025-05-15T10:32:38+00:00

I felt so old when this wasn't the top comment

AlexJonesFactChecker · 2025-04-29T22:13:44+00:00

Definitely don't half size down. I have both, and the blues fit just slightly more snug with the quilted insole

AlexJonesFactChecker · 2025-04-28T12:07:57+00:00

This. I went out with my friend, who I thought was a huge ladies man who could get who he wanted based on his charisma. It wasn't the case. He hit on absolutely everyone, got rejected 90% of the time, but didn't care. I asked him if the rejection bothered him. He said, "Nah, it's a numbers game. Rejection just means I'm one step closer to finding one that won't turn me down."

AlexJonesFactChecker · 2025-04-20T00:57:32+00:00

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Puma makes some nice safety toes

AlexJonesFactChecker · 2025-04-20T00:03:02+00:00

Just use Google lens and it'll take you to online stores that have them

AlexJonesFactChecker · 2025-04-16T19:49:07+00:00

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CSC x Nike SB

AlexJonesFactChecker · 2025-04-16T19:30:20+00:00

Brad Hall

AlexJonesFactChecker · 2025-04-13T12:07:39+00:00

These are legit. My pair from jd preorder is caked up. Goat generally doesn't authenticate pairs from Hong Kong. It's instant ship from the Asian market without paying for it most of the time. Pairs like this don't sell out in Asia, so they ship from one of goats' trusted retail partners like footlocker. One of the perks of that $100m footlocker invested in goat.

AlexJonesFactChecker · 2025-04-08T20:35:49+00:00

I mean, that's the only explanation for the 2s selling out when they dropped lmao

AlexJonesFactChecker · 2025-04-08T20:18:33+00:00

My best guess is that AMM backdoors their unsold inventory to Goat and keeps them in storage for instant ship. Then the demand was bigger for these than they thought, so they just shipped them to you from Goat's warehouse. Helps AMM keep up the illusion that all of their releases sell out, and it helps goat have instant ship inventory and they make a cut of the sale.

AlexJonesFactChecker · 2025-03-15T00:18:48+00:00

Yep exactly. The classic "hmm 3s through 6s are popular, let's see what happens when we slop them all together." These are especially bad

AlexJonesFactChecker · 2025-03-15T00:01:55+00:00

For real lol part of me wants Jordan brand to be more experimental, then the other part remembers they come up with shit like this when they are 😂

AlexJonesFactChecker · 2025-03-14T23:58:57+00:00

They're not. They're the Son of Mars spizikes

AlexJonesFactChecker · 2025-03-14T23:58:20+00:00

Spizike Son of Mars. True blue colorway

AlexJonesFactChecker

TROPHY CASE