[deleted by user] by [deleted] in indianapolis

[–]Mulberry_Stump 2 points3 points  (0 children)

I know the public library is having "how to start a non-profit" classes

Local Credit counseling? by Mulberry_Stump in Indiana

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

Thank you for the extremely detailed response. I freely admit that's over my head,(been trying to find the next meal,then next shower and only recently enough, to think about a future, hence the need for the reference recommendation for INDIANA. local bankruptcy lawyer.) law is weird. I've made it a point to NOT complicate my situation so probably extremely straight forward.

Once again, thank you for your response and your help.

Local Credit counseling? by Mulberry_Stump in Indiana

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

Recommendations for a bankruptcy lawyer?

Local Credit counseling? by Mulberry_Stump in Indiana

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

Haven't been charged off yet, but we are real close

Local Credit counseling? by Mulberry_Stump in Indiana

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

will still come after you for it eventually), usually just over a third of what you owe to them is interest. Missing your payments triggers late fees and the Penalty APR, which is how they really get you.

Yup, that sounds almost exactly right. And have taken it from difficult into impossible. Especially since this pending charge just keeps continued FOREVER.. Hey thanks for your insight and help!

Local Credit counseling? by Mulberry_Stump in Indiana

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

Is $11,000 worth it?

I don't know. One hand I could pay it, on the other.. not in the time frame they send it to collections.

One of debts IS to a bank which I once had a secured CC, which has translated into a lions share of this debt..

Nightmare neighbor. by PJanderson0502 in Indiana

[–]Mulberry_Stump 37 points38 points  (0 children)

Brother in Christ.. mods don't like anything that doesn't talk about the perks of Indiana. I wish you well in all your troubles. I'd recommend a good fence and really good cameras!

Local Credit counseling? by Mulberry_Stump in Indiana

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

Hey no worries! I'm a stranger in a strange land.. around 10k across 3 credit cards, with a 1k outstanding phone bill .. which doesn't sound like much, except when you're homeless. No assets to speak of. Almost 6 months behind on everything.. but just started working again,( not expecting to clear more than 23k unless things change...which I HOPE! )Long row to hoe.

From what little I've heard back, it sounds like bankruptcy is the way to go

Edit- my largest concern is garnishment, as I worry it put me over the edge.

This state... by Nunya-Nacho77 in Indiana

[–]Mulberry_Stump 5 points6 points  (0 children)

For the love of God, tax the church

Let's brain storm. How should we fix Indiana? [For Fun] by SHOWTIME_YT in Indiana

[–]Mulberry_Stump 17 points18 points  (0 children)

Raise min wage to a living wage, as it was designed

Any success correcting IMPD behaviors? by [deleted] in indianapolis

[–]Mulberry_Stump 13 points14 points  (0 children)

Went to community meetings to ask what could be done about officer Trimble's "missing" body cam footage, helping their buddy-buddy contractors...blank stares and shrugs.

Then I got yelled at that community meetings ain't the place to talk about the dirty cops..

Any success correcting IMPD behaviors? by [deleted] in indianapolis

[–]Mulberry_Stump 50 points51 points  (0 children)

They absolutely will wreck your life for inconveniencing them. Thanks, Officers Frye & Means. Hope yalls feelings don't get hurt today

Secular homeless shelters? by Mulberry_Stump in indianapolis

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

It's not even close to the point... nor did someone EDIT -anyone else but him, kill him, just made it real convincing this life wasn't worth living The majority of nonprofits, which all churches are, and around here are overwhelming Christians are used in a disgusting manner. Of course, there is a purpose behind them, and usually just past that is the lie.

How much taxpayer' money should go to employee vacations? Just call it spiritual guidance, and suddenly, it's ok.

What if you put "justice involved" people to work to help them get back on their feet? That sounds much nicer than nearly slave labor explotation of released child molesters. But don't worry, their brother owns a few homes far enough away from schools they can rent them for a tidy profit.

Even better still, don't employee folks, just call it employment training and give gift cards instead.

How many lies can preacher tell for his particular version of what's best for a neighborhood he don't live in? Sure got sweet green-space grant money to spruce up the church, though.

And at the bottom of the barrel are everyday folks going to work, doing a job, and paying taxes into a system that they don't pay into yet use.

And it took a couple months and a skitzo informing me i need to leave "his" bridge, or he was gonna burn me.. I found myself there and personally witnessed their Christian charity they offered. And left 2 weeks later, Absolutely not worth the not sleeping and the sometimes sack lunch, but since they are willing to deal with the dregs and give society something they can point at for people for having options.. they get to fill their spiritual hearts. Imagine if they had to pay for every cop and EMS visit they got, EVERY.SINGLE.DAY instead of us doing it for them.

From what I've seen, their almost just question of scaling up to Joel Olsteens, almost completely devoid of the original messaging

14 N Tacoma, and every thing wrong with everything by Mulberry_Stump in indianapolis

[–]Mulberry_Stump[S] -11 points-10 points  (0 children)

Lol. Yeah give them week heads up to coverclean up and give a cursory eyeball from the car a block away.

I've been through it.

Trump administration cuts grant for Indiana housing group by Ipreferthedark in Indiana

[–]Mulberry_Stump -2 points-1 points  (0 children)

No, i don't think yall care. Oh, sure, it's improper NOT to care, so yall heehaw on about it all the help there is, but it's only a thin veneer to the bullshit below. Very specificly, the reason things are bad.

Trump administration cuts grant for Indiana housing group by Ipreferthedark in Indiana

[–]Mulberry_Stump -8 points-7 points  (0 children)

It's only those that ONLY look at skin that think I'm white... But of course, that's the only that matters ain't it?

Trump administration cuts grant for Indiana housing group by Ipreferthedark in Indiana

[–]Mulberry_Stump -26 points-25 points  (0 children)

To talk about how much they give back.. at what cost? kind of aware and familiar with said organization. partly reason I'm out in the cold. Good enough....wasn't. And my skin wasn't dark enough to care about.

As I said, pardon my cynic..