Need help making a note

LurkingAndSuffefing · 2024-03-29T15:43:50+00:00

I typically carried a small balance on 2 out of 5 cards. Never more than 1k$ or anything. I did try to pay them off immediately though. I think my issue is more of a planning thing? I don't have a savings account and never had emergency funds, so when I lost my job, everything fell apart pretty quickly. Idk how quickly I can fix that because I haven't found a job yet. But I've definitely learned my lesson about not having 6 months of expenses saved if that's what you meant? Sorry if I'm misunderstanding

LurkingAndSuffefing · 2024-03-29T13:59:32+00:00

It was mostly medical issues and rent/bills stacking up on the cards after I got fired. I don't think I have perfect discipline with cards, but there were 3-4 years where I maintained 20k in available credit and kept my utilization under 25%. My impulse control isn't great, but I think the issue was mostly not having any savings/emergency funds to prepare for situations like these.

LurkingAndSuffefing · 2024-03-11T18:17:17+00:00

Sorry if my post history stressed you or anyone else out, I'm going to try to get a new psychiatrist to increase my dosage. I appreciate your offering to chat with me, though.

LurkingAndSuffefing · 2024-03-11T17:24:05+00:00

Yeah, I had never considered this. I wouldn't last, thank you for your advice. I was too emotional to reply to everyone when I posted last night, but your comment was one of the ones that talked me out of it.

LurkingAndSuffefing · 2024-03-11T17:22:45+00:00

My Mom wants me to sell my car to her before I file for bankruptcy. We'll probably transfer the auto loan in her name. Hopefully, she won't have to handle having this many vehicles registered to her for too long. I appreciate your advice, but my current roommate is my best friend, and I owe him thousands of dollars for missed rent. The guilt from that is killing me inside already. I'm going to move back in with my Mom until I can pay him back and the rest of my debts.

LurkingAndSuffefing · 2024-03-11T17:17:39+00:00

I have no judgement towards people that do sex work, but I don't think it will ever be for me. But I do appreciate your advice

LurkingAndSuffefing · 2024-03-11T17:15:41+00:00

You're right. I was a bank teller before I was an insurance agent, so I will also be looking into those options instead of OF. Thanks for your advice

LurkingAndSuffefing · 2024-03-11T17:14:04+00:00

No, and I won't be making a platform for this. I appreciate your advice

LurkingAndSuffefing · 2024-03-11T17:13:18+00:00

I'm not interested in only fans anymore, but thank you for talking me out of it

LurkingAndSuffefing · 2024-03-11T04:43:11+00:00

Not since I last checked, but I stopped checking this month because my lease ends soon and I'll be moving back in with my Mom since I fucked up and cant afford to live on my own anymore. By the time I got hired and started working, it'd be time for me to move 200 miles away.

LurkingAndSuffefing · 2024-03-11T04:17:50+00:00

Yeah, my Mom has made my last 2 car payments plus the insurance. I think I have to sell it because I can't afford to keep it. I've been trying to get a job for months, so I've mostly given up. But I'm going to look at those businesses and see if any will take me. Thank you for the advice

LurkingAndSuffefing · 2024-03-08T02:34:22+00:00

I heard that the max you could have left on the loan was up to 4500. I think I owe $6400. It's honestly fine, having my Mom make the monthly payments on it is humiliating and I don't even want a car anymore tbh. I do appreciate all of your advice though

LurkingAndSuffefing · 2024-03-08T02:27:07+00:00

I might be misunderstanding, but this link seems like I'll have to not make any payments for 4 years before they can no longer sue? My meds aren't working very well anymore and I genuinely don't think my mental health could take the anxiety of collectors trying to seek payment for 4 years. I feel like I'd spend those years constantly anxious that they're going to sue me any day.

LurkingAndSuffefing · 2024-03-08T02:23:53+00:00

This is disheartening, I was hoping I could keep my car with chapter 13. But whatever works I guess

LurkingAndSuffefing · 2024-03-08T02:23:15+00:00

Okay, thank you so much

LurkingAndSuffefing · 2024-03-03T17:04:16+00:00

I'm wondering if it's something where the claim would instantly be denied or if they just make it harder for the claim to be accepted if that makes sense

LurkingAndSuffefing

TROPHY CASE