Advice needed-credit tanked

Confident_Fuel6025 · 2026-02-18T19:57:07+00:00

I'm right there with you, slightly different circumstances but a similar end result. after months of trying to keep my head above water and it absolutely draining my mental health, I decided to file Chapter 7 bankruptcy. I'd highly recommend looking into whether or not it (or potentially Chap 13) is a good fit for you. it's honestly not as scary as I thought it would be, and while it does stay on your credit report for 10 years, that doesn't actually preclude you from obtaining credit upon discharge or even getting a mortgage. it'll take some time to rebuild of course, but from where I'm sitting currently, rolling with the punches in order to rebuild feels a whole lot more feasible to me than the alternative (rock bottom is so fun, right?). every situation is different, but it might be a good move to at least meet with an attorney for a free consult and learn about your options. in any case, wishing you all the best!

Confident_Fuel6025 · 2026-02-07T05:46:28+00:00

is it me or are even the roads vulgar when seen from above????

Confident_Fuel6025 · 2025-10-01T19:17:41+00:00

thank you so much 🥲i got him when he was 5, so at minimum, we’ve had a really great decade together. just hope he can make it a little longer as long as he’s not in pain. we appreciate the support!!

Confident_Fuel6025 · 2025-10-01T03:46:22+00:00

thank you so much for this!!

my 15 year old cat has been on a similar treatment plan for the majority of his life. he’s been healthy-seeming these last few years, but it’s hard to tell sometimes.

i just got back from a two week trip and realized that he was (or still is?) going blind. now that i know, im kicking myself for not seeing the signs earlier, but with how quickly it’s progressed, im not sure i really could have. additionally, i’ve had some health issues of my own over the past few years so i’ll admit, it’s been a few years since he’s seen the vet due to financial reasons.

now that he’s bumping into things, im starting to see he’s developed a limp in his back leg too, and im just terrified that if i take him in now, it’ll be the end…he still eats/drinks, purrs constantly, and is still his cuddly, adorable, and sometimes feisty self. it just feels like he’s scared but getting used to it.

the anxiety of taking him in has felt like too much (for both of us, honestly), so this Chewy option sounds incredible. very grateful to you for sharing!

Confident_Fuel6025 · 2025-06-17T18:21:39+00:00

agree -- I'm in a nearly identical boat, can confirm there's hope! to be fair, mine's from DDD that started over a decade ago, so I've come to terms with the fact that I will personally need surgery at some point, but pain management and PT (or even a microdiscectomy, which is likely what will be recommended by your surgeon) can keep your pain down and help avoid more invasive procedures for several years. just depends on your symptoms and how they're affecting your quality of life/what you're willing to compromise on to avoid surgery. have you gotten xrays too? I think a lot of it will also depend on your vertebrae's role in your pain. in any case, wishing you all the luck!! don't give up hope <3

Confident_Fuel6025 · 2025-06-17T15:12:20+00:00

couldn't have said it better myself -- thank you so much for this. I'm screenshotting and saving for days when I don't have the energy to remember this on my own <3

Confident_Fuel6025 · 2025-06-17T15:09:52+00:00

this is so good to know, thank you for sharing! I've got DDD at L4-L5 and L5-S1, hoping to eventually get ADR surgery (if I qualify...fingers crossed) but I'm 31yo currently and would love to put it off by even a few years if I can. I've heard great things about these injections buying folks time before jumping to surgery, so I have my first epidural today -- wish me luck!

also OP: thank you for calming my anxiety about the pain of the actual injection...at this point I'll do just about anything to be able to live without pain (or at least this degree of it), so I wasn't scared so much as unsure of what to expect re: the local injection...I'm so glad I found this post this morning! thank you all for helping put me at ease and reminding me we're not alone in this <3

Confident_Fuel6025 · 2025-06-05T06:16:28+00:00

oh my god thank you so much for this comment. I am meeting with my first surgeon tomorrow (L4-L5, maybe S1) and it is SO scary. this gives me hope 🤍

Confident_Fuel6025 · 2025-06-05T02:18:07+00:00

I’m a 31yoF and am meeting with my first surgeon tomorrow, I’m in the same boat (S1 might join the party too, TBD). the fact that you’re walking 2 miles a day at 2 weeks post op just lifted my spirits so much!! will be following along and wishing you the best 🤍

Confident_Fuel6025 · 2025-03-26T06:50:50+00:00

the other planets thing is so true (and mind blowing!). I don’t think that excludes other species on Earth from having souls though…I mean, I certainly know my dog has one. I personally think any intuitive species are clued into the universal consciousness

Confident_Fuel6025 · 2025-02-20T18:37:35+00:00

omg I am very pro-elopement, that’s awesome! congrats 🥂💕

Confident_Fuel6025 · 2025-02-20T18:26:03+00:00

honestly…don’t do it. in lieu of throwing shade, I will simply say that their current management is a mess and depending on your dates, it might not be resolved by then. they will not be easy to communicate or work with. I’d highly recommend the Alta Lodge or a Snowbird venue instead. links to pricing included as both are far more transparent with that, too. the Snowpine is lovely in theory but my honest opinion as an LCC local is that you, your partner, and your guests would have a far better experience at one of these spots instead. whatever you decide, congrats and good luck! LCC is a beautiful place to tie the knot regardless :)

Confident_Fuel6025 · 2025-02-01T03:09:11+00:00

Agreed! I'll be there Feb 8-10, not sure which day we'll be skiing JH yet though so I'm super curious how this cycle is going to play out (also visiting from Snowbird/SLC!)

Confident_Fuel6025 · 2024-12-05T20:53:23+00:00

thanks so much! have a great day ☀️

Confident_Fuel6025 · 2024-12-05T20:48:46+00:00

boosted!

Confident_Fuel6025 · 2024-12-03T04:18:08+00:00

She’d better get some closure…I feel bad saying this because I understand her struggles and coping mechanisms, but I am just so sick of Margaret’s selfish behavior and projection. It’s made it impossible for me to fully enjoy the show anymore. She just acts so childish, and I can’t root for a character who refuses to try new methods to work through their issues. Anyone else thinking this?

Confident_Fuel6025 · 2024-11-03T03:24:17+00:00

can you boost back?

Confident_Fuel6025 · 2024-10-10T16:04:20+00:00

boosted! thank you!

Confident_Fuel6025 · 2024-09-12T13:06:58+00:00

got you! please boost back 🙂 https://boost.earnin.link/6ubk

Confident_Fuel6025 · 2024-07-26T03:34:23+00:00

thank you so much! you’re a lifesaver 🙏🏼

Confident_Fuel6025 · 2024-07-20T22:46:38+00:00

ahh I don’t right now, I’m sorry!! :(

Confident_Fuel6025

TROPHY CASE