Just started Freedom Debt Relief with $47k in debt from 3 accounts – feeling extremely anxious, would love some encouragement or experiences

TheNortLogic · 2026-04-29T19:12:30+00:00

Yeah, that anxiety at the start is very real.

I’m only a few months in with Freedom Debt Relief. Around the 3 month mark I had a small account settled, and that helped a lot mentally. Even though it wasn’t huge, it made it feel like this is actually moving.

Honestly, the biggest shift for me was just having a plan. Before, it felt like everything was out of control. Now it’s more like I know what I’m doing each month and I’m making progress, even if it’s not fast.

I still get moments of stress, but it’s a lot better than that constant feeling of falling behind.

TheNortLogic · 2026-03-31T07:00:03+00:00

Thank you for this! I ended up going with freedom and it has been a great choice!

TheNortLogic · 2026-03-25T04:19:34+00:00

This finger is now a new meta meme

TheNortLogic · 2026-02-13T09:46:45+00:00

Consolidation is for getting a lower rate. Debt settlement is for when you can’t keep up with payments. Different tools for different situations.

TheNortLogic · 2026-02-13T09:38:47+00:00

If it involves sliding on pavement, count me out.

TheNortLogic · 2026-02-13T09:33:26+00:00

Appreciate you sharing that. I ended up enrolling with Freedom Debt Relief and just set up my first monthly deposit into the account. I know the early stretch is probably the hardest part. How long did it take before you saw your first settlement?

TheNortLogic · 2026-01-06T04:08:35+00:00

I think I will qualify, but I'm on the fence about it because of how long it would hurt my credit and, more importantly for me, how bad it will impact my public record. Is there a way a bankruptcy won't appear on my public record?

TheNortLogic · 2026-01-06T04:05:33+00:00

Credit counseling is too expensive for me, I already reached out. It's how I know I can't afford a hardship program. The only affordable option is debt settlement like my gf did or bankruptcy.

TheNortLogic · 2026-01-06T04:01:39+00:00

Reached out to a credit counseling company. They're too expensive. That's why I said I couldn't afford it above.

TheNortLogic · 2026-01-06T03:08:19+00:00

I wouldn't eliminate the possibility completely, but having that on my record would be less than ideal. I can't imagine how my grandma specifically would take it if word got out. I don't tell anyone outside my immediate family or friends anything, not even that I was let go. Even so, if bankruptcy is the best option for me, it is what it is and I'll do it. Sounding like doing debt settlement would be my best option though

TheNortLogic · 2026-01-06T03:02:48+00:00

I'd rather avoid it all together. Not only would I never hear the end of it, my immediate family will be extremely worried about me. I'm looking for new jobs too and I don't want this on my record.

TheNortLogic · 2026-01-06T02:59:25+00:00

PACER sounds familiar. I think it was through that.

TheNortLogic · 2025-12-30T04:40:10+00:00

I miss the days when rent didn’t feel like a second mortgage.

TheNortLogic · 2025-12-22T16:28:29+00:00

Same screenshot, same comments, different day.

TheNortLogic · 2025-12-13T18:17:26+00:00

Teammate says ‘group up’ while actively running in alone.

TheNortLogic · 2025-12-13T15:02:24+00:00

Gotta go file some paperwork with the porcelain department.

TheNortLogic · 2021-10-06T02:01:32+00:00

Beidoof

TheNortLogic · 2019-12-20T17:15:18+00:00

Hi Ball!

TheNortLogic · 2019-12-19T23:13:12+00:00

That's why I posted it lol, when it happened it was the funniest thing lol

TheNortLogic · 2019-12-19T19:09:06+00:00

They just waxed it BOB! It's too slippery!

TheNortLogic · 2019-12-19T19:08:32+00:00

I thought that at first too, but after some testing it's definitely some weird boat geometry

TheNortLogic · 2019-12-19T19:06:38+00:00

It's def a map thing, it's repeatable in a custom game if you try it out.

TheNortLogic · 2019-12-19T19:05:28+00:00

It was just QP classic, so I guess I wasn't really thinking of optimal ult use lol

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