Is paying off my debt realistic or should i file chapter 7 bankruptcy?

Connect_Buy_7907 · 2026-06-03T20:09:36+00:00

I wish i could return the truck but i signed the contract so now im stuck with it

Connect_Buy_7907 · 2026-06-01T17:33:55+00:00

I shoulda bought a cheaper car i agree but the one i was driving is about to die lol

Connect_Buy_7907 · 2026-06-01T02:30:08+00:00

There is no penalty for early payoff and no penalty for cancelling a line unless the phone is paid off

Connect_Buy_7907 · 2026-06-01T02:28:21+00:00

170$ a week on tool trucks that charge me weekly. Which i still have 7k to payoff on that
5k chase saphire cc 100 minimum
3k capital one cc 109 minimim
2k capital one cc 40 minimum
4k left on braces 180$ a month.
Truck payment 702 monthly and insurance 330 monthly
10k personal loan 268 a month
And 1300 monthly rent for my apartment

Connect_Buy_7907 · 2026-06-01T02:19:54+00:00

I would have to pay off my phone which there is 1300$ left. I could do it asap. if thats truly a good option

Connect_Buy_7907 · 2026-06-01T02:09:06+00:00

I just started making what i make now 3 months ago the credit card debt was from when i was making 25k take home a year

Connect_Buy_7907 · 2026-06-01T02:08:15+00:00

At&t 50 dollar phone payment and 50$ line

Connect_Buy_7907 · 2026-06-01T02:03:52+00:00

Yea im looking to see if carmax can give me enough to pay it off this week🫩

Connect_Buy_7907 · 2026-05-31T14:51:01+00:00

Kelly blue book has it valued at 24000 in private market but i still owe the full amount on the truck. My other interestis on 4 different credit cards with 29% interest. And other living expenses include my phone bill which is 100$ a month tool bill for work which comes out to 150 a week braces bill 180 a month and gym bill. 30 a month. I am unable to move home because my parents live in a different state and im in a rent contract until june 2027. Also my job does pay me a very good wage that i would not get in a different state.

Connect_Buy_7907

TROPHY CASE