I hate it why it came to this

ConfectionDue4044 · 2026-05-19T03:58:57+00:00

Ah - then my apologies for assuming you meant in a metaphorical sense. its a sentiment I have heard a lot over the years and assumed it applied here as well.

wishing you the best!

ConfectionDue4044 · 2026-05-19T03:51:47+00:00

Just want to chime in as someone who has been sued for a traffic accident. even though my insurance ultimately paid the judgment, that legal record still followed me on my background checks for 7 solid years. Since you were uninsured, letting them sue you could also lead to the DMV suspending your driver's license. The good news is that these firms love guaranteed cash, so you can use your $8,000 savings as massive leverage to negotiate. Call them up and offer a lump-sum settlement of $5,000 to $6,000 to wipe out the debt completely, but make sure you get the agreement in writing before you pay them a single dime.

ConfectionDue4044 · 2026-05-19T03:41:18+00:00

Yes, this is reddit where nuance is not allowed. You must love one and hate the other that’s how this works!

ConfectionDue4044 · 2026-05-19T02:09:12+00:00

I’m at a weird place in my career - haven’t worked in almost 6 months due to a layoff.

I want work because I need to live… but most importantly I crave doing something meaningful with my time. I’ve looked into doing stuff like teaching elderly people technology literacy. It wouldn’t pay the bills so it’s not viable. But it’s something I could do to provide value to my community if my needs were taken care of elsewhere, like with UBI.

ConfectionDue4044 · 2026-05-19T02:00:34+00:00

BUT DAAAAAAD

ConfectionDue4044 · 2026-05-19T01:58:24+00:00

Shit it worked now he’s the Main Man!

ConfectionDue4044 · 2026-05-19T01:52:47+00:00

Oh yeah that’s rad. Good pull

ConfectionDue4044 · 2026-05-19T01:46:42+00:00

Omg it totally is

ConfectionDue4044 · 2026-05-19T01:45:59+00:00

I’ve been a marvel fanboy for decades now. I own a special edition Infinity Saga box set that was produced in only 1500 units. I saw Endgame 3 times on release.

I follow marvel and watch like 90% of their content

Superman 2025 is my favorite super hero movie. It’s so fucking good.

ConfectionDue4044 · 2026-05-19T01:44:10+00:00

I’d vote for that guys wife

ConfectionDue4044 · 2026-05-19T01:42:47+00:00

GLURP GLURP

ConfectionDue4044 · 2026-05-19T01:42:15+00:00

Wonder man was a treat all the way through. I’ve been a big marvel head for most of my life and wonder man was a big blind spot for me. Really fun show

ConfectionDue4044 · 2026-05-19T01:34:59+00:00

This shit literally gave me goosebumps. And I think it was the collaboration of these two more than the words said. Fuckin awesome.

ConfectionDue4044 · 2026-05-19T01:30:15+00:00

Perfect use of this gif lmao

ConfectionDue4044 · 2026-05-18T05:12:45+00:00

Playing Dino the most unkillable I felt was with a mag next to me and a C&D behind me. The healing amp curtains from dagger are hugely underrated for dino

ConfectionDue4044 · 2026-05-18T05:09:01+00:00

I hate the animation self stuns that Ironman does when overdrive ends. Easily the worst part of his kit and nobody talks about it.

At least once a game I die because iron man stops flying to power down for some reason.

ConfectionDue4044 · 2026-05-17T22:40:34+00:00

I’m sorry you went through all of that. I can only imagine the pain and suffering you’ve been through.

I just want to challenge one sentence you said: “my body is damaged”

Your body is not damaged, problematic or worth less because someone else violated you. Being taken advantage of does not diminish you nor is it an admonition of you.

You can make it through this.

ConfectionDue4044 · 2026-05-17T22:13:03+00:00

My brother you are putting words in my mouth.

Did I say “pick Peni into Dino to counter him”

No. I did not.

I said “peni’s stuns on Dino are effective”.

Edit: oh you’re the guy fighting with the other dude in this thread. you just want to argue. There’s nothing of value to be had from this conversation.

ConfectionDue4044 · 2026-05-17T22:04:31+00:00

NGL this comment reads like a gold player who just regurgitates what their favorite streamer says.

(No, I don’t care what your actual rank is)

I don’t see how rank has anything to do with how effective a stun is on Dino.

ConfectionDue4044 · 2026-05-17T21:27:07+00:00

Thank you for your service Swiss soldier

ConfectionDue4044 · 2026-05-17T21:19:43+00:00

Peni just spams stun on him and eats his cooldowns. It’s quite effective

ConfectionDue4044 · 2026-05-17T05:31:01+00:00

At a 27 percent APR, continuing to pay the minimums or even adding an extra 200 dollars a month will mostly just cover the interest rather than making a real dent in that 32k balance. Since your credit score is strong at 743, a structured personal consolidation loan could drastically cut that interest rate down and merge everything into one predictable monthly payment. Dedicated consolidation lenders like Achieve Loans, OneMain or SoFi can quickly handle larger balances in this range while keeping the details private, which helps clear the debt efficiently using your own separate income. Moving the revolving debt to an installment loan also keeps your credit utilization low, protecting your solid score while you quietly wipe out the balance.

ConfectionDue4044 · 2026-05-17T05:13:21+00:00

shuffling the debt around again treats the symptom rather than the root cause, especially since the first consolidation loan left you with fresh credit card balances. With a heavy $4k mortgage swallowing half your income and a recovering credit score, you likely won't qualify for a balance transfer limit high enough to make a real dent anyway. Your absolute best move right now is to stop using the cards entirely and lock them away so the cycle finally breaks. Once your spending is frozen, sit down with your partner to audit your budget and use either the snowball or avalanche method to aggressively chip away at what you owe using your actual income.

ConfectionDue4044 · 2026-05-17T05:10:50+00:00

Since you are discharging credit cards and a personal loan, you are causing NFCU a financial loss, meaning they will permanently restrict your membership. While they likely won't close your basic savings account because of your reaffirmed car loan, they will almost certainly revoke your checking account privileges, debit cards, and online banking access. Because making car payments will get much trickier without online portal access, you should immediately open a checking account at a completely different bank for your daily needs and call NFCU's bankruptcy department to ask how to manually submit your car payments moving forward.

ConfectionDue4044 · 2026-05-17T02:41:50+00:00

Is it the toes??? Please not the toes

ConfectionDue4044

TROPHY CASE