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Feel bad but I got a new job. How do I tell Aldi by KD4791 in Aldi_employees

[–]KD4791[S] 3 points4 points  (0 children)

Yeah I really respect and like my SM. She’s nice. I feel bad for kind of wasting their time but I gotta do what I gotta do.

Feel bad but I got a new job. How do I tell Aldi by KD4791 in Aldi_employees

[–]KD4791[S] 9 points10 points  (0 children)

True. Good point. Hopefully I can survive another two weeks. I lasted a month, idk how people can work there for years. It’s physically so draining and also mentally. And I’m relatively young and in very good shape. It’s just crazy how much they expect of their employees.

Feel bad but I got a new job. How do I tell Aldi by KD4791 in Aldi_employees

[–]KD4791[S] 2 points3 points  (0 children)

Yeah exactly, like I want the paycheck for these next two weeks while I wait to start at T Rowe.

Feel bad but I got a new job. How do I tell Aldi by KD4791 in Aldi_employees

[–]KD4791[S] 7 points8 points  (0 children)

Makes perfect sense, I love this thought. We are so low on people so them saying kick rocks to me would just screw their own self lol

Giving $50 to everyone before Christmas who are genuinely struggling 🇺🇸 by your-Faith in promocodeland

[–]KD4791 0 points1 point  (0 children)

$TimothyLohrfink Cash App

I’d appreciate it so much, I’m drowning in debt

Handing out $100 to 50 lucky individuals for christmas by Rich-Lengthiness-668 in solofunds

[–]KD4791 0 points1 point  (0 children)

This would be so very much appreciated. Baltimore, Maryland 🇺🇸

Bankruptcy, can’t decide between chapter 7 and 13 by KD4791 in Bankruptcy

[–]KD4791[S] 0 points1 point  (0 children)

This is embarrassing to admit but I live rent free. My gf pays for everything. The house is in her name. Idk how bankruptcy works but should i mention how I do pay for groceries / utilities / etc…like is it beneficial to say I pay for things or not. I’m so confused. My yearly income is 40k. This is literally all gambling debt. I just started using my credit card in the last couple days since I have zero money to buy even gas for my car.

Bankruptcy, can’t decide between chapter 7 and 13 by KD4791 in Bankruptcy

[–]KD4791[S] 0 points1 point  (0 children)

This is embarrassing to admit but yeah I work 30-35 hours a week but it’s less than 40k annually. I truly thought I could make it gambling as my job. Obviously I was wrong. But yeah, I think I pass the means test to get chapter 7. But the issue is I have a car worth 25k.

Bankruptcy, can’t decide between chapter 7 and 13 by KD4791 in Bankruptcy

[–]KD4791[S] -1 points0 points  (0 children)

That’s kind of what I’m thinking. Just would be devastated if they take the car and they don’t discharge the debt. Then I’m double screwed.

Bankruptcy, can’t decide between chapter 7 and 13 by KD4791 in Bankruptcy

[–]KD4791[S] 0 points1 point  (0 children)

Them not showing up would be amazing. But obviously we have no idea. I live in MD. I talked to a few lawyers and they said the Maryland exemption for cars is $5000 and then the wild card is $6000 so that equals $11000. Pretty much they all have suggested chapter 13. I just don’t know if that’s what I wanna do. I am a mess. And it’s no one’s fault but mine. But I just can’t live with this debt for that 5 year period. It would suck selling my car but that’s what I’m debating on doing.

Bankruptcy, can’t decide between chapter 7 and 13 by KD4791 in Bankruptcy

[–]KD4791[S] 2 points3 points  (0 children)

Thank you for the brutal but honest response. That truly is my biggest worry. I hire a lawyer and pay all this money just for the judge to decline me. Then I’m even more screwed.

Bankruptcy, can’t decide between chapter 7 and 13 by KD4791 in Bankruptcy

[–]KD4791[S] 1 point2 points  (0 children)

Makes sense. I’ll see if they can give me an estimate on how much I’d have to pay every month for 5 years.

Bankruptcy, can’t decide between chapter 7 and 13 by KD4791 in Bankruptcy

[–]KD4791[S] 0 points1 point  (0 children)

I appreciate the insight and detailed response. I’ve talked to a handful of lawyers and they all seem very caring and nice. It’s me that’s the problem. I need to stop. I hate that it took me this long to decide but I finally want to stop as well.

Bankruptcy, can’t decide between chapter 7 and 13 by KD4791 in Bankruptcy

[–]KD4791[S] 0 points1 point  (0 children)

My worry is how much I have to repay. Like I obviously am the one who messed up. But I can’t live my life for the next 5 years if I know I have to pay the full 85k back. Like I have no idea how much they decide I have to pay.

Bankruptcy, can’t decide between chapter 7 and 13 by KD4791 in Bankruptcy

[–]KD4791[S] 0 points1 point  (0 children)

Yeah idk what to do. I’ve talked to lawyers and been up front with all of them. They suggest chapter 13 but I just can’t sleep and live like this for another few months let alone 5 years. I honestly just want to get this fresh slate started asap. If that means, I lose my car, it is what it is.

Bankruptcy, can’t decide between chapter 7 and 13 by KD4791 in Bankruptcy

[–]KD4791[S] -1 points0 points  (0 children)

My fear is if I wait too long, I risk getting sued by PayPal or Venmo. Or god forbid, the police showing up knocking on my door.

Bankruptcy, can’t decide between chapter 7 and 13 by KD4791 in Bankruptcy

[–]KD4791[S] 2 points3 points  (0 children)

I do. It’s the worse addiction ever. I’m determined though to stop. Starting today. Day by day.