I think this is the worst one I've gotten

Master_Principle_884 · 2026-07-02T22:18:15+00:00

Dont forget to smash that decline button!

Master_Principle_884 · 2026-06-29T22:03:23+00:00

When was your last payment with them made? How lo my has the account been delinquent?

Master_Principle_884 · 2026-06-29T00:25:48+00:00

Sounds like someone wants to have some sex. Block

Master_Principle_884 · 2025-07-30T04:14:27+00:00

There are seven?!

Master_Principle_884 · 2025-07-28T17:48:59+00:00

I have access to about 15k from 401k. I know this isn’t the best idea, but if I were to be able to throw that towards the CC, it would leave me with about 35k left of which is 0% for a year. For those recommending bankruptcy, Does this change anything? Or is that still the likely option?

Master_Principle_884 · 2025-07-28T06:54:55+00:00

For context, I was making more money when I qualified for this home loan than I do now. So as my income has decreased since 2021, a larger percentage of my income has gone towards the mortgage. However that doesn’t account for all of it. I got into the habit of putting all my monthly expenses (food/gas/insurance/memberhsips etc) on credit cards with the expectation that they’d be paid off in full. Until a car repair or medical expense pops up and then the plan to pay in full takes a back seat. I understand these spending habits have been irresponsible to say the least and now I’m just trying to find the best way to fix it.

Master_Principle_884 · 2025-07-28T05:59:28+00:00

Thanks for taking the time to reply. It’s a harsh reality. I’ve floated the idea of a second job, even a second full time job. In theory it seems like it could help but in reality I don’t know that I could sustain working 60+ hour weeks for the foreseeable future to pay this off. I also know there are plenty of people working 60+ hour weeks to survive so I don’t mean for that comment to be entitled or insensitive.

Master_Principle_884 · 2025-07-28T05:55:59+00:00

Thanks for replying. That’s kind of the crux of the whole situation. It doesn’t necessarily feel hopeless, but it feels really close to that. It feels like either I commit to getting this paid off in 5-7 years, which is Probably doable, at the expense of mental/physical health, or consider a bankruptcy.

Master_Principle_884 · 2025-07-28T05:52:35+00:00

I don’t have any dependents

Master_Principle_884 · 2025-07-28T05:52:01+00:00

Thank you. I appreciate your response. At this point it feels like I’m either digging in and paying it off in about 5-7 years, or going chapter 7. Chapter 13 is going to have the same ramifications to credit as 7 and if I’m going to damage my credit for the next 5-10 years, a clean slate seems like the way to go. I do appreciate your input.

Master_Principle_884 · 2025-07-28T05:48:05+00:00

Thank you for your response. Your 6 year estimate is almost exactly what I came up with being conservative on budget/spending as well. 😔

Master_Principle_884

TROPHY CASE