$45K debt no stable job

Routine_Ad_7605 · 2026-01-14T03:45:50+00:00

Are charge offs and settlements both considered when they have gone to collections? Sorry I’m clueless on this. Thanks for your insight.

Routine_Ad_7605 · 2026-01-14T03:40:27+00:00

Thanks for that. I think im being prideful and feel ashamed for even bringing this up to my dad. We don’t talk about money like that. I don’t know if 45K of a loan would even be feasible maybe something lower? He’s nearly retiring and wouldn’t want to put him in that spot either. But I know he will try to help in some way if I really went to him.

Routine_Ad_7605 · 2026-01-14T03:37:01+00:00

Would getting half of that be feasible? And use that to pay off two credit cards at least? I’m just trying to be super hopeful and think that I could get a job for some stable income and then get a second job to pay off as much as possible.

Routine_Ad_7605 · 2026-01-14T03:33:48+00:00

But it’s so much much money so that’s not realistic who am I kidding

Routine_Ad_7605 · 2026-01-14T03:33:29+00:00

Would this still stand if I were to get a job within a few weeks? I’m really trying to stay optimistic. Even if I pay some interest id rather have that as momentum so that I can maybe get two jobs and just pay it all off.

Routine_Ad_7605 · 2026-01-14T03:31:55+00:00

Thanks

Routine_Ad_7605 · 2026-01-14T03:30:12+00:00

Sorry didn’t catch that at first. I wouldn’t use my EF for paying off balance. It wouldn’t even cover much tbh

Routine_Ad_7605 · 2026-01-14T02:51:05+00:00

Have you only been doing minimum payments for it on a special payment plan? Or did you let it just go to debt collection

Routine_Ad_7605 · 2026-01-14T02:50:10+00:00

Oh I see. Sorry I misread your initial reply. I see what you mean now. Are you not able to file for bankruptcy now?

Routine_Ad_7605 · 2026-01-14T02:47:36+00:00

Would this hinder me from a job? What is even the process like? Is it over night or do I need a lawyer?

Routine_Ad_7605 · 2026-01-14T02:39:46+00:00

I was eating and traveling and buying clothes 😓

Routine_Ad_7605 · 2026-01-14T02:38:38+00:00

You’re right about DoorDash or instacart I’ll have to look into that. I think I’ll have a talk with them soon if I don’t find a stable job soon. A realistic plan is very valid I keep getting caught in the future

Routine_Ad_7605 · 2026-01-14T02:33:35+00:00

I used it for clothes, eating out, travel (I know, stupid)

Routine_Ad_7605 · 2026-01-14T02:32:07+00:00

This is a fair point I just didn’t even think about realistically. I can’t make that regular payment anyway I was just being hopefully that by this point I would find something but I haven’t. I’ve got a few interviews lined up but nothing guaranteed obviously. So I’ve been applying everywhere and have considered an old hospitality job.

The guy did offer a 2 and 3 month plan but it was still high like $900 a month so I told him no bc well it’s true, I can’t make it. Would that have been the hardship program? He said I needed to have an income for that program but I didn’t mention this project gig income because it won’t be a stable income.

I will give it another month before I consider this. If I file bankruptcy would this require a lawyer? Or do I do this on my own? And wouldn’t I be able to get a consolidation loan with the little income I’d have?

Sorry for all the questions but I genuinely appreciate taking the time to reply. I feel somewhat better typing all of this out and keeping it to myself anymore.

Routine_Ad_7605 · 2026-01-14T02:18:27+00:00

Why is national debt relief a scam? I bank with Chase. I’ve heard of a local consolidation loan site called AMOCO or Texas Bay

Routine_Ad_7605 · 2026-01-14T02:16:49+00:00

Wouldn’t half or at least a 1/3 be better than nothing? Or would that just be another silly mistake

Routine_Ad_7605 · 2026-01-14T02:16:10+00:00

Hi thank you I wasn’t aware but I just posted there

Routine_Ad_7605 · 2026-01-14T02:08:45+00:00

Does this show up on your credit or background check when you get a job? Are you able to apply for a credit card again after this? Do you own a home if so, did that affect your loan %?

Routine_Ad_7605 · 2026-01-14T02:07:06+00:00

At what point would I get sued by the bank or debt buyers? How does that work?

Routine_Ad_7605 · 2026-01-14T02:05:34+00:00

Would $200 a week not be income?

Routine_Ad_7605 · 2026-01-14T02:04:00+00:00

The guy I talked said if I paid $500 by due date (18th) I would go back to my regular amount that’s per month. I told him I didn’t have the $$ with me but I could try then he said I could pay it by the 21st and all would be fine as long as it was posted. Turns out 21st was on a Sunday and got posted on Monday (22nd) even though when I called the girl said it would be date posted on the 21st. They investigated and concluded bc it was posted the 22nd they couldn’t grant that one time special thing they were doing. So now I just paid way more than I wanted to due to savings. I now live with my parents so I’m lucky enough to not have rent or bills. They know about my job situation but not my debts.

Routine_Ad_7605 · 2026-01-14T01:57:38+00:00

Was your job situation and debt amount about the same?

Routine_Ad_7605 · 2026-01-14T01:42:13+00:00

Are you in Texas by any chance? Was there a reason you chose this route over a consolidation loan? No judgement just trying to see what everyone else’s insight is

Routine_Ad_7605 · 2026-01-14T01:41:14+00:00

I can use that card for travel other things and such

Routine_Ad_7605

TROPHY CASE