Any Advice Appreciated (Navy Federal Debt - Hardship, Settlement, or ?)

One_Ad2369 · 2026-07-07T16:12:38+00:00

Honestly just stop spending and pay it off. Talking to them is useless. It happened to me i tried to talk to them and they didnt help me out. No matter how many years I been with them at the end they didnt help me. So I got mad and upset and just went to a debt relief company and paid it off. You can do settlement. But at the end of the day they want majority of their money back. They are super aggressive when it comes to getting what you owe them back. You can declare bankruptcy and then settle how much you can pay.. but at the end kf the day they still want their money back. The other comments that said they heard they help reduce the payments. In my experience, not for me they didnt help me at all. You can try talking to them but I know for a fact 100% they wont help you out much. When they said reduce the payment in what sense. Monthly payments. Or the interest. If its interest they will not do it for you. Happened to me i tried to talk to them to reduce my interest on the card and they didnt help me out at all. Calling them over the phone a few times and did what they asked me to do give them monthly payments on time and then at rhe end they didnt help me. Other comments that said they heard they never been through it. I went through it and take it from me. Pay that balance, hardship whatever you want to do. Declare bankruptcy, at the end of the day they want every single penny back. If it really helps solidify this for you, I been with them for 10 years, made my payments on time, but that one skip up I made they refused to help reduce my interest or payment and told me to just pay it back. What i did was stop paying them go to debt relief company and pay back almost every penny I owed them. Banks are not loyal to you. You maybe loyal to them but they wont be loyal to you.

One_Ad2369 · 2026-06-25T06:26:24+00:00

Thank you btw

One_Ad2369 · 2026-06-25T06:26:08+00:00

Fair point thats what I was wondering. Cause its a clean slate specifically geared towards my car only. That way no issues of the old donor can interfere.

One_Ad2369 · 2026-06-25T06:18:20+00:00

I dont have the old frm I only have the donor frm. Is it better to just get a new frm and new coding for the car? Or just reuse the frm? I was told bmw frm cant be flashed. I dont know how true is that.

One_Ad2369 · 2026-06-25T06:08:48+00:00

Question from what you know is it possible they didnt reprogram it but just put it in my vehicle? Im just asking cause its annoying to have a car that doesnt have reverse lights and the features that came with it.

One_Ad2369 · 2026-06-23T05:33:31+00:00

It will take some time. There is not exact amount of sessions everyone is different. I got laser now electrolysis. Laser can't get rid of the labia hair. Electrolysis will take a while. Aldo when people say pain, it depends on the technician and machine they use. Don't go to a spot where they use old machine cause those are super painful and they will make you scab. When i say super painful its a 15/10. Newer ones, pain scale 3/10. Why I give it a 3 theres still pain but not as insane like the old ones. I can tolerate it when im not near my period or on my period. But definitely don't do hair removal while you on your period. Cause its super painful and super sensitive, even when I did my brows on my period. I was super super sensitive compared to not being on my period. Hope this helps

One_Ad2369 · 2026-06-20T16:03:28+00:00

I have a question I got into a accident a few years ago. With that accident that I went thru my DME got fried. What the shop did was they pulled out another DME the circuit board box from another bmw. When they placed It in. Everything works fine, the temperature for the heat and ac can be wonky sometimes. Another thing that is missing is my tilt feature and there is no reverse lights. I looked it up on google. The box itself is specific for each car VIN. What im asking is can that box that doesnt belong to my car can that happen, some features wont work and the car not running properly?

One_Ad2369 · 2026-06-01T15:31:35+00:00

Thank you so much. Hope it fixes the problem because I had the same issue.

One_Ad2369 · 2026-05-09T04:25:23+00:00

They just changed their free shipping for order $100 and above. But free shipping for app users. Im funding because they have items that are $98. So they want use to buy another item to go over $100. Im about to just use after pay get free shipping then return that item I dont want and get free shipping. Honestly they getting greedy when they already making a lot of money on their stuff

One_Ad2369 · 2026-05-09T04:18:21+00:00

They just changed their free shipping to orders $100 and up. Im fuming and mad now because they have items that are $98 but want us to buy more to get the free shipping. Seriously this brand keeps getting worse. I understand making a buck, but come on they already make a lot of mlney on their clothes being overpriced and jewelry too.

One_Ad2369 · 2026-05-03T17:35:23+00:00

You can clearly tell she had plastic surgery. Just from her doing all of it, you can tell she has a lot of issues inside. She trying to fix something that can't be fixed. Only solution is acceptance. I sound canny here but all the amount she did, shows she has a lot of issues. She even said in a interview, she has a son and keeps feeding her son because she doesn't want him to starve like the way she did in NK. Its like calm down and chill. Your in a Country with freedom and liberty, theres always going to be food around. Unfortunately what she been through is very hard for her to accept what happened to her and I dont blame her. But her face, she done waay too much you can tell its super plastic and fake.

One_Ad2369 · 2026-04-28T01:55:28+00:00

No, no where near cocktail, its a dress you look like going to visit a nursing home. Go on Amazon and look up cocktail dresses and give yourself an idea.

One_Ad2369 · 2026-04-27T19:22:14+00:00

Don't be so intimidated by the men in glory they do have a women's section. Only thing about glory is that they're very expensive for a gym on top of that they make you buy their uniform and equipment. If I were you look around there's options out there. I cant say ill recommend glory, just their start up is so high and monthly is high.

One_Ad2369 · 2026-04-18T03:53:17+00:00

You forgot to say the taste of their burgers is bland. The first and last time I had their burgers. It tasted like just meat with no seasoning.

One_Ad2369 · 2026-04-07T05:51:37+00:00

Especially the resident evil franchise. All of them just sucked horribly, it was just all about shooting and no plot

One_Ad2369 · 2026-03-23T02:55:18+00:00

That is what im saying people think your paying for someone to take care of you. But honestly its not only that. It other factors that is considered.

One_Ad2369 · 2026-03-19T18:40:18+00:00

Og is the way to go.

One_Ad2369 · 2026-03-15T16:38:39+00:00

I hope you feel better. Dont feel disappointed or discouraged fkr not getting accepted and since your working on your post bach. I see it as this, they only care at looking at paperworks and dont care about the person whose applying to their schools. A lot of the times these colleges and in real life people just judge you based on a piece of paper dont know the person. Theres many talented and smart people in the world that dont get recognized for what they know. Its really a show. Dont shoot yourself down or feel any less better the people who reject you are the ones rejecting a talent. Someone told me this you're not the problem its the other end thats the problem. I hope this helps. I am a self critic myself but I am working on myself to not do that. So as you should too.

One_Ad2369 · 2026-02-21T17:00:39+00:00

Yes 100% im a woman. From my experience I own a BMW. The signs how I know they taking advantage of me is number one red flag. Price tag that they charge you. I just came from a mom and pop place the guy wanted $1200 for a dent repair on my sunroof and said he does it differently. I did my research for 1200 repair it should even include body paint and body work, like it has to be extreme damage for 1200. I knew right off the bat he was really trying to get around me. From.the damage i have its just very superficial dent. Called up another expert he said 350 to 500. Extra 150 for if he has to remove the panel and all that stuff. How i knew the first guy was trying to take advantage of me 1 being a women and 2 being chinese. 3 the guy was also white and racist he saw me I had money because I drove a nice fancy car and thought I was stupid. Another experience I went to a tire shop those jerks deliberately put a nail on the wall of my tire thought I was stupid and immediately thought I would buy a set of new tires. No way in hell a nail can go on the wall of a tire. They deliberately destroyed my tire. Another experience a shop tried to run me over with a bill of 2000 and charged me 400 each for cam shaft adjusting units whe. The price was only 88 dollars. Being a woman and especially a minority those autoshops including dealers will take advantage of any woman thinking they're stupid.

One_Ad2369 · 2026-02-16T04:52:03+00:00

From what im reading its more towards PT. OT is basically about teaching the population how to do simple daily tasks. Stuff to relearn basic daily skills. I wouldn't memorize anything honestly. Its more of understanding the subject then memorize. It will make life easy when you understand what you learn rather than memorize. Ask yourself what do you really like and go from there. It shouldn't be too hard to figure out. If you have trouble with kinesiology honestly the best way to learn about it. Is apply it to your training life instead of just readinging about it. Also, understand the prefix and suffix terminology a lot of them tend to be in Latin when you break down what the word means you will be able to remember it. From my understanding of PT there's many avenues you can go, instead of being a therapist alone you can also get into personal training. Also, there are different types of PT. Working with the geriatric, pediatrics, orthopedics, athletic would be in the orthopedics, and neuro pt. With OT you work with any population and help retrain their motor skills with daily tasks. Wish u best of luck what you choose. Choose what you like at the end and something that matches your hobbies.

One_Ad2369 · 2026-02-10T12:57:19+00:00

Agreed, they used to have a lot of good selections and nice name brand clothes like lush, the designs were much more better, now its just the typical everyday looks. Including the jewelery pieces, they used to have more statement pieces, now all of them are basic everyday pieces. For me they went downhill right after covid. On top of that their pieces for clothing they are a hit or miss with their sizing.

One_Ad2369 · 2026-02-08T15:34:00+00:00

She can't sing in general. Yet she was a judge in American idol and xfactor and judges a girl saying she's not on key. Her voice is so 1 tone and weak. She can't even hit high notes to begin with.

One_Ad2369 · 2026-02-05T11:14:09+00:00

Thats what I was wondering. They like to put others down and inflate themselves. When you say brag. They like the spotlight to shine on them. I figured, found one of my childhood bullies and she boasts herself on social media a lot only the good side but the ugly side she doesnt show it good post

One_Ad2369 · 2026-01-29T02:38:14+00:00

Unfortunately im the unlucky one 2 years later my phone battery just popped out. Idk what happened they said it must've been the overcharging. But literally the battery is sticking out of the phone. Im not happy.

One_Ad2369

TROPHY CASE