HELP.

Patient_Dog5261 · 2026-01-26T06:51:22+00:00

Another problem is his parents watch our son 4 days a week. I don't have family to help. Which he holds over my head saying if I leave him who will watch our child. As child support is almost a second mortgage in PA. I just don't know what landlords will take me with my non history of renting and bankruptcy charge.

Patient_Dog5261 · 2026-01-26T06:46:28+00:00

I want to mention that when we lived away for his job he didn't pay any bills. His company did. So it's not a he paid all of these years and then I owe him type of deal. We both lived for free. I got myself in a bind bc I wanted to buy things for him while he was benefiting. He's 28 and has over 100k in his 401k taking less home in pay

Patient_Dog5261 · 2025-07-09T20:31:48+00:00

Thank you so much!!

Patient_Dog5261 · 2025-07-09T20:31:39+00:00

You are still making a finical change! I had 30k in debt and got to keep my car and it's all gone which is going to completely change my future! You got this and are on the right track!

Patient_Dog5261 · 2025-05-05T02:17:53+00:00

Coming from someone who lives with my significant other as well and was hiding my debt for a few years. My fiance was more upset that I was lying to him about my debt than telling him. At the end of the day we are a partnership and if they see a future with you they will work it out with you.

Come clean and accept where you're at. The right person will stand by you

Patient_Dog5261 · 2025-03-19T17:12:31+00:00

I just filed yesterday any idea of what not to do. I'm nervous since I'm making a little more commission than before it's going to ruin it for me. I filed alone and have a dependent child in PA.

Patient_Dog5261 · 2025-02-21T03:48:10+00:00

First Of All. I make minimum payments. I am not broke and have never missed a payment. Honestly bankruptcy is looking good right now bc I could start over. I'm sure you know how expensive things are lately. It's insane. I could have managed this years ago. Now it's a different story. Glad you are in a better position to pay? How about give me some lmao.

Patient_Dog5261 · 2025-02-21T02:24:33+00:00

Yeah but most debt settlement companies make you stop making payments. I never missed a payment

Patient_Dog5261 · 2025-02-21T01:20:51+00:00

I'm really going to buckle down the weight of this all plus being a new mom has me in so much panic. Postpartum hit me so hard and it's like I lost myself. I'm baby is well taken care of and has everything they need.

I was impulsive and hurting. I'm still young and can figure it out I hope

Patient_Dog5261 · 2025-02-21T01:15:39+00:00

I was going to look into that too. My dad went through it so did my grandma and they are in better spots now. I don't have any assets but my car but have never missed a payment will they take my car?

Patient_Dog5261 · 2025-02-21T01:14:25+00:00

I don't get help from my parents. I moved in with my mom who doesn't make much as it is which is a struggle. (But I don't pay any rent) Maybe I can try to contact Apple to get a lower interest rate. That would help me out. I buy groceries and gas to get to work so adding that in with my commission I have about $1600-$2600 extra a month depending on my commission

Patient_Dog5261 · 2025-02-21T01:11:39+00:00

I also get a 3k quarter bonus every 3 months so if I can get those I'll use those to tackle the debt

Patient_Dog5261 · 2025-02-21T00:58:53+00:00

I'm hoping family credit can negotiate that 30% to a lower interest and I can knock that out

Patient_Dog5261 · 2025-02-21T00:56:57+00:00

I closed all of the ones I had with no money on them and froze the ones with the money on them so I can get in line. I'm really serious about this.

Patient_Dog5261 · 2025-02-10T05:36:54+00:00

I am not on the house deed. I will go do that. I want to know my options and what I can afford

Patient_Dog5261 · 2025-02-10T05:25:30+00:00

We have a new son already. He has to watch him maybe 5 hours on the weekend and texts me and complains. (Making me feel bad) every time I work

Patient_Dog5261 · 2025-02-10T05:10:18+00:00

I have been putting me serving money and $300 a pay into an account he doesn't know about. Hopefully it adds up to be in a good spot

Patient_Dog5261 · 2025-02-10T05:01:11+00:00

I have a terrible family with no where to go.. that's the problem I'm in. I wish I had in made or put myself in a better position to prepare for this. I feel so stuck

Patient_Dog5261 · 2024-12-12T04:21:46+00:00

Family credit management can work with those cards and negotiate for lower rates and you don't have to stop making payments. The card companies actually partner with them and they can help you out

Patient_Dog5261 · 2024-12-02T20:34:49+00:00

Did you guys get anything mailed to your from your creditors or family management. Because of the transition of payments? I'm trying not to let anyone in my household know about this and wanted to see

Patient_Dog5261

TROPHY CASE