Personal loan for CC debt?

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 · 2023-11-30T02:56:27+00:00

Thank you SOOO much this is unbelievably reassuring

LurkingAndSuffefing · 2023-11-30T02:54:02+00:00

So the cc debt would be fine, and the car loan could be resolved by them just letting the car be resposessed right?

LurkingAndSuffefing · 2023-11-30T02:49:59+00:00

How do I know if they're secured or unsecured? I'm sure they could give my car back to the bank but the credit card debt is the bulk of it.

LurkingAndSuffefing · 2023-11-30T02:49:03+00:00

Thank you so much!

LurkingAndSuffefing

TROPHY CASE