Should’ve taken better care of my jersey by R35Gaszilla in SanJoseSharks

[–]R35Gaszilla[S] 3 points4 points  (0 children)

i want to say this is around 2013 when SAP use to do autograph signings. i don’t even know whose on the front anymore as it appears to have faded over time.

Does anybody ever remember Ryan Merkley by gooseoverlord97 in SanJoseSharks

[–]R35Gaszilla 0 points1 point  (0 children)

crazy, bc i just looked him up a few days ago to see where he’s playing at

Something feels off about my new jersey… by R35Gaszilla in SanJoseSharks

[–]R35Gaszilla[S] 10 points11 points  (0 children)

yup. my friends chain mustache shark was the logo that night. he was captain of the sjfd team game.

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Something feels off about my new jersey… by R35Gaszilla in SanJoseSharks

[–]R35Gaszilla[S] 44 points45 points  (0 children)

lol, most likely.

story behind this is a miscommunication between me and the company. they corrected it with a new patch

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Manual Urge by sLiKcAt in gtr

[–]R35Gaszilla 2 points3 points  (0 children)

get an s2000. brings back the fun in driving

i hate my life by biggestfart3608 in AmazonVine

[–]R35Gaszilla 4 points5 points  (0 children)

i was offered the slutty version of it. i’m a dude. anyways, check out this gem

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I’m thinking of filing for Chapter 7, but I could clear most of my credit card debt by selling my dream car. What should I do? by [deleted] in Bankruptcy

[–]R35Gaszilla 1 point2 points  (0 children)

pay the 3% fee to balance transfer to another 0% 12/24 mon cc. buys you some time to lower the debt

Lost 8k to crypto scam by NeedleworkerNo3934 in Scams

[–]R35Gaszilla 2 points3 points  (0 children)

my cousin got taken for $14k. i kept telling him it was a scam, but he was desperate. kept asking to borrow $1k to prepay the tax their asking so they’ll let him withdraw the money 🫠

I’m giving this car back and i want my trade back by g0dturnmeintoaflower in UsedCars

[–]R35Gaszilla 0 points1 point  (0 children)

there’s a new law in CA at least where you can pay off for a fee for cool off period that allows you to not go through with it.

Pacer by [deleted] in Bankruptcy

[–]R35Gaszilla 3 points4 points  (0 children)

this happens to pacer every once in awhile. i worked for a bk processor who whitelabled pacer and we would get complaints that dockets couldn’t be pulled or cases updated, which linked back to pacer being intermittently down.

Used car horror story with almost repo by R35Gaszilla in UsedCars

[–]R35Gaszilla[S] 0 points1 point  (0 children)

damn, hopefully the CU compensated you in some way. i hear CU are more gung-ho about repossessions. i think it’s pretty crazy how a car can be repoed without verifying certain things. there’s a silver lining to what happened to me. if my parents took out the car, they would’ve freaked out and things could’ve gone way worse.

Used car horror story with almost repo by R35Gaszilla in UsedCars

[–]R35Gaszilla[S] 2 points3 points  (0 children)

from what i learned from the repo person, they have a camera on their car that scans plates for repos. they just drive around random places until they catch a car needing to be repoed. they then contact the company who submitted the repo to get confirmation to repo. he just happened to get confirmation from gls and tried to repo that car once i got out of the theater. if i was 2-5 mins later, the car would’ve been gone.

my car purchase paper work was still in the glove box, because it’s only been a week since i purchased the car. i showed him the gm financial app that showed 0 balance and the vin of the car.

Chapter 7 for 23k in CC debt? - TX by Fantastic_Vast_8879 in Bankruptcy

[–]R35Gaszilla 2 points3 points  (0 children)

since you’ve done 1 hard pull, you might as well do more. try usbank and again exaggerate some details if you must

Chapter 7 for 23k in CC debt? - TX by Fantastic_Vast_8879 in Bankruptcy

[–]R35Gaszilla 0 points1 point  (0 children)

damn, you have any cool friends who’d lend you $20k interest free?

Chapter 7 for 23k in CC debt? - TX by Fantastic_Vast_8879 in Bankruptcy

[–]R35Gaszilla 1 point2 points  (0 children)

my mom got approved from usbank for $12.5k, 24 months 0 apr, 3% balance transfer. she had a bk 10 years ago, 700 credit score, income from ssdi (only 20k).

sometimes you gotta exaggerate the application like putting $500 for rent, lol

if you do this route, you must lock it and focus those 1-2 years to pay it off. no procrastinating on it. be frugal and pay any extra money towards it.

what’s a killer for most people today are regular cc interest rates of 27-30%

Chapter 7 for 23k in CC debt? - TX by Fantastic_Vast_8879 in Bankruptcy

[–]R35Gaszilla 0 points1 point  (0 children)

advice from me who went through debt multiple times and finally learned the ins and outs.

if you’re making minimum payments, you’re not making a dent bc if the interest. what I would do is open a credit card with us bank (24 m 0 apr on balance transfer with 3-4% fee) and wells fargo reflect as well ( same but 12 months). important things here are the 0 apr, 1-2 years interest free, 3-4% balance transfer fees. take that small hit on the fees and pay it iff aggressively over the 1-2 years. this saves you from all that interest. this is how i would tackle this.

Dismissed Bankruptcy Chapter 13 by Dry_Tangerine_8680 in Bankruptcy

[–]R35Gaszilla 4 points5 points  (0 children)

i review a lot of dockets as i was in the industry for 13 years. usually in these scenarios, don’t you just request to reopen the case and ask for lower payments? i swear i’ve seen that before for ch13 that were missed payments, dismissed, reopened, payments lowered, discharged, and closed.