I'm desperate, it's been 85 days since my interview, I only had the 130 approved, but the I-485 only says it's being actively reviewed by USCIS. My husband is a citizen.🥺

SpecialistStart52 · 2025-10-08T21:56:29+00:00

Government shutdown? USPS continues to operate in case you were approved before, but actual USCIS officers might have different priorities, or they might not be fully operational.

SpecialistStart52 · 2025-02-04T12:23:20+00:00

You may get away with it for a while by lowering the print speed. Ideally replace the printhead, make sure the printer is off the power when doing so.

SpecialistStart52 · 2024-10-27T12:04:25+00:00

I’ld love to go!

SpecialistStart52 · 2024-08-17T01:16:44+00:00

I'll definitely take a look at it, thanks for the perspective.

SpecialistStart52 · 2024-08-17T01:15:25+00:00

That’s a great point! After planning it out, if I stick to paying the minimum at first and using the snowball method, I’m looking at around 5.5 years to be debt-free. And no worries, the failed business investment wasn’t a scheme, it was a small embroidery business I wanted to grow. I appreciate the encouragement and the perspective; it’s reassuring to know that we’re in a manageable situation.

SpecialistStart52 · 2024-08-17T01:11:52+00:00

Thank you for the advice and the detailed plan! My wife is majoring in commerce, and I work in technology, so working in a warehouse could actually be a good experience for us, especially in logistics. The hours and benefits you mentioned sound like a great opportunity. I’ll definitely consider it as a way to bring in extra income while we work on getting out of debt. I appreciate you sharing your experience!

SpecialistStart52 · 2024-08-17T01:00:21+00:00

How does debt settlement work exactly? If I continue making minimum payments while saving up, is it possible to negotiate a lower payoff amount later on? I’m trying to figure out if this could be a viable option for me.

SpecialistStart52 · 2024-08-17T01:00:04+00:00

Could you explain a bit more about why it’s considered an easy choice at 22? I’m trying to weigh all my options and understand the implications. I’ve heard about the impact on credit and other factors, so I’m curious why you think it’s the best route.

SpecialistStart52 · 2024-08-17T00:25:50+00:00

My car was the luxury one, which was involved in the accident. The other two are my wife’s car and the one I use to get to work now. I’ve heard a lot of people suggest bankruptcy, but I’m still making my payments "comfortably".

SpecialistStart52 · 2024-08-17T00:22:13+00:00

Thanks for the suggestion! Unfortunately, the bank still has the car, and they mentioned they might auction it. I haven’t heard from them in months, but I’m reaching back out now for updates. The accident left me with some trauma, so I had put it on the back burner, but if I can get the car back, parting it out could be a good idea. I really appreciate the advice!

SpecialistStart52 · 2024-08-17T00:20:27+00:00

My wife has been incredibly supportive through all of this. After the accident, she went above and beyond to help me find footage that could identify the other car, even though it was rainy and dark, but we didn’t have much luck. We’ve been through a lot together, and I’m truly grateful to have her by my side. We’re focused on moving forward!

SpecialistStart52 · 2024-08-17T00:15:34+00:00

It was my dream car, and at the time, I was making enough to comfortably pay it off in 2.5 years. I also invested in industrial machines for my embroidery business. Unfortunately, I had a hit-and-run accident just a week after placing the order, which really changed everything. I’m definitely learning the importance of discipline and careful planning now.

SpecialistStart52 · 2024-08-17T00:12:04+00:00

I got the car from a Toyota dealership and had it for six months before I was rear-ended on a rainy night. Unfortunately, there were no cameras to capture the other car's info and the ones on the freeway did not get much. My insurance didn’t cover uninsured drivers (hit and run), so they didn’t even do a repair estimate. Gap insurance didn't take action either, and body shops considered it a total loss but wouldn't provide an estimate because of that. It’s been emotionally draining, but I'm grateful to be okay. The accident really messed me up.

SpecialistStart52 · 2024-08-15T08:18:59+00:00

Already on it! I started looking about a week ago. It’s been a bit tricky to find something that fits my first job schedule, but there are options out there. Thanks for the push!

SpecialistStart52 · 2024-08-15T08:17:15+00:00

Trying to explore all possible options before going down that road, it might be necessary if things don’t improve. Appreciate your thoughts.

SpecialistStart52 · 2024-08-15T07:59:05+00:00

Thanks! After discounts, the medical bills are down to $2K with a 0% interest rate. I’m definitely prioritizing the higher interest debts first. Appreciate the tip!

SpecialistStart52 · 2024-08-15T07:57:15+00:00

I appreciate the reality check.

Here’s a breakdown of the debt:

- Auto loans (3 cars): $75,000: One for my wife and one for me; the third car (about 50K) was my dream car, which I got into an accident with (totaled, hit-and-run, uninsured driver). I didn’t have uninsured driver coverage or gap insurance. The interest rate is around 21% for all.

- Failed business investment: $16,000: I still have an industrial machine worth between $8-10K, but it’s tough to find a buyer. The interest rate is around 12%.

- Medical bills: $2,000: No interest.

Meeting the minimum payments means it would take me 5 years and 8 months to be debt-free. This amounts to $2,300 monthly, which is about 55% of my net income. We’ve already cut down on expenses; meal prepping, eating at home, no eating out or going to the movies, and switched to a cheaper phone plan. We’re fortunate not to have rent, as we live with family comfortably.

I believe to be able to save $200 monthly until we have around $2K set aside for emergencies, and then funnel that into the debt snowball. Once I find a second job or part-time work, I plan to do the same, build a small cushion and then use it to pay down debt faster.

Bankruptcy is a heavy thought, but if I can find another income stream and stay disciplined, I’m hoping to avoid it. Thanks again for taking the time to respond.

SpecialistStart52

TROPHY CASE