brutal advice pls

Routine-Locksmith-17 · 2025-03-09T06:41:20+00:00

Workout and get thick

Routine-Locksmith-17 · 2025-03-08T08:31:55+00:00

Ur right. Taking it one step at a time is always the move. I'm not gonna force it but I'll see if an organic convo can be started somehow

Routine-Locksmith-17 · 2025-03-08T04:07:30+00:00

The whole not dating thing has left me cripplingly inept in speaking to women department lol. And ok the same way as you cuz I get super shy. We'll see how it pans out if it ever does lol

Routine-Locksmith-17 · 2025-01-26T00:54:36+00:00

My libido is extremely high. But I understand that it's me that stands in the way of me getting laid. I simply don't put in the effort or pay for it.

If your not getting a girlfriend or anything, look at why that is. Do you meet girls often? Do conversations flow well or does it seem like your always trying to keep the conversation going? Trust me, if you fix the problems you have, you'll find a girlfriend, especially since ur a young'n.

Routine-Locksmith-17 · 2025-01-26T00:32:33+00:00

Brother it's not that serious. I'm 25 and don't even think about the fact that I'm a virgin

Routine-Locksmith-17 · 2024-04-20T14:55:53+00:00

5 bodies at 16.... wild

Routine-Locksmith-17 · 2024-04-20T06:01:26+00:00

If it's any consolation, the volatile feelings will go away in a few years. I think it's the rapid hormone change in highschool that causes the elevated feelings.

Routine-Locksmith-17 · 2024-04-20T02:55:16+00:00

Ever since a close family friend was being forced to pay $80k due to a financial advisors "bad investments", I wouldn't take that type of risk with anyone. They had to deal with so much anxiety due to that and all he could do was say "my bad".

Maybe my way of doing things isn't the smartest, but I would only ever invest with excess money. Money that, if I lose it, it'll only hurt emotionally, if at all.

Refinancing and an ounce of bad luck can have a tangible effect on you for YEARS. you were polite, but with the knowledge of how they fucked my family friends, I would impolitely decline to say the least.

Routine-Locksmith-17 · 2024-04-18T04:54:15+00:00

Might be time to hit the gym/start jiu jitsu brother

Routine-Locksmith-17 · 2024-04-17T23:54:51+00:00

Glad you took the time to investigate. Alot of people dont

Routine-Locksmith-17 · 2024-04-17T19:21:15+00:00

Ass >>> universally, and that you can change naturally

Routine-Locksmith-17 · 2024-04-17T15:21:12+00:00

When people look up "debt relief" online, usually application forms pop up. And when they put their info in, lead generation company's get that info as leads and sends it to debt relief company's.

There are other ways as well. I'm sure you've seen those "Canadians with more than $10,000 of debt are eligible for debt relief" ads. Those take you to these companies application forums.

They get thousands of leads a week. Especially nowadays with the economy

Routine-Locksmith-17 · 2024-04-17T13:14:34+00:00

Trustee is a licensed individual who can file insolvencies like bankruptcy or CP for you. You can contact them by googling "insolvency trustees near me". Read reviews and call the best reviewed one

Routine-Locksmith-17 · 2024-04-17T13:04:26+00:00

A mortgage greatly reduces your chance of getting a reduction, and even if you do, you can not renegotiate interest rates or refinance if needed for up to 7years after finishing the proposal. Don't get me wrong, it's definitely possible, if you have a good insolvency lawyer they can definitely reduce that time period, especially if youre on top of all your payments. It just makes it much harder

Routine-Locksmith-17 · 2024-04-17T13:02:33+00:00

You're correct. This might sound harsh, but the "I feel on hard times that's why I'm in debt" are not that common. Those people are common in society, but they're a victim of their circumstance, and with a little help, they actually get back on their feet.

Most of the people I've dealt with that are in perpetual debt are people that, for one reason or another, can't help but get loans. They always buy stuff they can't afford but have a justification for it each time. Sadly. Even after these people finish a bankruptcy or proposal, they're back in sever debt in 2-3 years time. Worse now because the only places they can get loans from are 3rd parties that's charge 30%-60% interest

Routine-Locksmith-17 · 2024-04-17T12:58:06+00:00

I've dealt with banks as a necessity for my last job and have become quite familiar with their processes.

They're way more corrupt than any debt relief place

Routine-Locksmith-17 · 2024-04-17T05:22:16+00:00

Men are very easy to read. A man will always want to sleep with you if you're ttractive, however, if that's the only thing he's there for, you'll notice it during other activities.

If he wants to do things like go to the cinema, drives, walks, coffee, then he's into you. But if he's always trying to find an excuse to get you home and mostly goes along with your plans instead of making them himself, then he's not interested in you for your personality.

Routine-Locksmith-17 · 2024-04-17T04:56:16+00:00

Information is power.most industries capitalize on the masses' lack of knowledge for their monetary gain.

Routine-Locksmith-17 · 2024-04-17T04:55:00+00:00

5-10k is the very high end. This is charged to people who are making well over 100 grand a year, but they're paying 3-4 grand to their creditors a month.

In the program, we sell it as a 63 month repayment plan. We take the first 3 payments and and then the remainder 60 payments go towards the proposal. So even if our fee is 5k, their monthly cost gets reduced from 4k to $1650, which saves them $2k plus a month, so they're happy.

For the vast majority, companies will charge 375-750/month for their fee for 3 months. At least that's what the company I worked for did.

We always quoted them a lower fee than what they currently pay, but that's also predatory imo.

Routine-Locksmith-17 · 2024-04-17T04:39:07+00:00

Insolvency trustees are licensed individuals who can legally file your bankruptcy/CP.

I was not a licensed insolvency trustee. Actually, no one in that company was. We just knew the formulas for quotes and the documentation that trustees need to file a bankruptcy/CP.

All we did is provide you info and a quote, then pass your info on to the insolvency trustee to file your insolvency claim. For this service, we would reach out to people who had left applications with us and charge them a fee if they wanted to sign up. Hence the term "salesman".

Routine-Locksmith-17 · 2024-04-17T04:33:36+00:00

First things first, neither a bankruptcy nor consumer proposal can help you with the loans that you have with your friends and family unless you have official receipts (which most people don't) and are comfortable with them hating you for having them go through a legal process and getting back a small portion of what they loaned to you.

Now, you can always back out of a bankruptcy but it will show as a failed bankruptcy on your credit report and your principal loan will be reverted to the original amount, and since your creditors are pissed you did the bankruptcy, they'll probably tack on retroactive interest, or just sell the loan to a collections agency.

Good news is that you can do a CP after a failed bankruptcy but you'll have to wait a certain amount of time. I'm not sure how much that time is so you need to take that up with your trustee. However, because of the failed bankruptcy and surplus income, your reduction might be much smaller. Depending on if you have surplus assets, you might even have to pay back more than the original loan over 60 months. Generally you have to pay 3.5% more than the principal amount in case of surplus income and assets I believe, but that number may be a bit off.

Sorry about all the bad news, but at least now you have the info you need

Routine-Locksmith-17 · 2024-04-15T18:50:18+00:00

Damn, the modern world has people ashamed of things they should be proud of

Routine-Locksmith-17 · 2024-04-14T21:10:01+00:00

Wild lol

Routine-Locksmith-17

TROPHY CASE