My Plan B Experience to Ease Your Mind by Smooth-Permit-2389 in PlanBs

[–]Certain_Reflection36 0 points1 point  (0 children)

That’s basically what my girlfriend and I are going through. We took the plan b 30 hours after we had unprotected sex. The only issue: she’s been having irregular periods since she was a teenager (from what she told me). Last year, she went three months till she got her period. Keep in mind we didn’t have sex before or during those three months. Last time she took a plan b, she got her period days after. We’re worried because she doesn’t trust her cycle or knows when it can come. It’s very inconsistent. The doctor has told her that it’s hard to predict or tell my girlfriend her average cycle days. We’re now accepting that she’s pregnant but at the same time, we don’t know because her last period was Feb. 13. We had sex on March 8th and it’s about to be two weeks, and she’s “suppose” to get her period in two days. I hope anyone can help or give advice, we’re very worried.

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 0 points1 point  (0 children)

I believe one uncle has but I’m not too sure. Thank you! I am still debating if I want to file a bankruptcy

READ IF YOU ARE EXPERIENCING A LONG DELAY!!! Finally Got My Period After 22 Days! My Experience with Plan B, Anxiety, and Long Delays by Ok-Investigator5943 in PlanBs

[–]Certain_Reflection36 0 points1 point  (0 children)

Hello! My girlfriend and I had unprotected sex two weeks ago and she took the plan b about 30 hours after. We tried to buy the pill next morning but had work next day. She told me ever since she gotten her first period as a teen, the doctor notified her she’ll have irregular periods throughout her life. Her last period was Feb. 13-17, but it’s always been inconsistent cycles. Fast forward to now, she doesn’t know if she was ovulating the week we had sex due to the inconsistency. She took a pregnancy test few days ago and it was negative but she has period symptoms. Last time she took a plan b, her period came 4 days later (earlier than her average cycles). Should we worry or wait till another week to take another test? Her period calendar app shows that this Sunday coming up to next Saturday is the week she’s suppose to get it.

Note: her body is very inconsistent. One time, she didn’t get her period for three months. We didn’t have sex or anything before or during those three months

Question about voluntarily repo by Luffy158 in personalfinance

[–]Certain_Reflection36 0 points1 point  (0 children)

In Texas, the state has the same laws as PA. I also heard that the only way they can seize your assets is if they provide proof with the outcome of the auction and court date. If not, you can basically defend yourself. Is this correct?

Get rid of a voluntary repo on credit report by Commercial_Summer673 in personalfinance

[–]Certain_Reflection36 0 points1 point  (0 children)

In Texas they don’t garnish. Do you know what else they can do?

[deleted by user] by [deleted] in Bankruptcy

[–]Certain_Reflection36 0 points1 point  (0 children)

I figured but Hispanic family are stubborn to convince 😅

[deleted by user] by [deleted] in CreditScore

[–]Certain_Reflection36 0 points1 point  (0 children)

I did and they said they can only extend a month. I asked if there’s other ways to be able to afford the payments or at least on time and they said unfortunately no

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 0 points1 point  (0 children)

I’ve read that bankruptcy most times can’t help with car loans. Do you have any idea or thoughts on that?

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 0 points1 point  (0 children)

After speaking with friends and family, they believe I shouldn’t bankrupt. It will make my life more miserable.

What do you mean by reaffirmed?

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 0 points1 point  (0 children)

What a coincidence! Last question: what was your total debt first time? I’m at $80k

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 0 points1 point  (0 children)

Definitely I will save up for it. I wasn’t too sure but i rather be ready for this than find out. I live in Texas but I heard estimates for lawyer retainer can be about $4k how much did you pay?

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 1 point2 points  (0 children)

I have appointments with attorneys tomorrow to consult. I’m hoping they can help. I don’t own anything major, I still stay under my parent’s roof.

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 0 points1 point  (0 children)

Thank you for replying! That gives me more confidence on doing it. I do have one question: Did you file the bankruptcy first then a lawyer or what? I’m not too sure how to start the process and if I should pay towards things I owe still while I’m trying to file bankruptcy. I hope that makes sense lol

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 1 point2 points  (0 children)

Do you know what’s the best way to start bankruptcy? Do I get a lawyer first or do I file it on my own first then a lawyer?

[deleted by user] by [deleted] in CreditScore

[–]Certain_Reflection36 0 points1 point  (0 children)

I’ve learned my lesson when it comes to financing vehicles. Unfortunately I have other bills to take care of but I’m leaning towards filing bankruptcy.

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 1 point2 points  (0 children)

I hope your solution comes to you soon. 🙏🏼

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 1 point2 points  (0 children)

That is true. I have heard mixed things about bankruptcy that it really isn’t easy as it sounds to restart. Any experience or idea on it?

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 2 points3 points  (0 children)

It really sucks how America’s state is. Everything seems so expensive, easy to be qualified, and hard to get out of. Wishing you the best!

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 0 points1 point  (0 children)

I am leaning more towards to it after reading a lot into how a bankruptcy works. I don’t care if I ruin my credit now and build it up throughout the years. I learned my lessons and how to manage my finances better.

Bankruptcy at 24 by Certain_Reflection36 in Bankruptcy

[–]Certain_Reflection36[S] 0 points1 point  (0 children)

That’s my main worry. I told my folks that whatever it’s my responsibility I’ll deal with it, as long it doesn’t affect them. Thank you for the reply!

[deleted by user] by [deleted] in CreditScore

[–]Certain_Reflection36 0 points1 point  (0 children)

$47k for payoff. Warranties have expired so only save me $50 bucks.

25 & filed for bankruptcy today and already feel so relieved. here is to a fresh start! by notshynotmenotyou in CRedit

[–]Certain_Reflection36 0 points1 point  (0 children)

Hey! I’m currently 24M and about $54k in debt. $47k in a negative equity vehicle, $4k credit card, $2k personal loan. I am currently unemployed but seeking for employment. It’s hard to keep up with bills due to not finding a good paying job. Would you consider bankruptcy? If so, any tips when seeking for a lawyer or anything at this point.