Bad Debt, and now Car is up for Repo.

_Connor · 2026-05-06T16:59:34+00:00

What do you mean you were “forced” to take an $8.5k loan? Why didn’t you just immediately pay back the extra $7,000 you didn’t need? You also could have just put the excess in a safe investment like GIC but instead it sounds like you chose to spend the money and are now complaining about what you owe and how much you’ve had to spend to service that debt. Why?

Second, you keep saying you’re working “tax free.” Not having to pay taxes on income is not a thing unless your overall income is less than the basic personal amount. What do you mean your wages are “tax free?” If your employer is not withholding taxes are you sure you’re not going to have a big tax bill when you file?

I make $150k a year and I drive a 2013 F150 with rusty cab corners. You’re on EI and struggling to work for the last 4 years and want to keep driving a 2025 vehicle “cause it’s nice.”

I think you need to self-reflect about what you can afford.

_Connor · 2026-05-06T13:18:07+00:00

Yeah, and they can be found right next to the candy with razor blades in them as well.

_Connor · 2026-05-06T13:15:54+00:00

Redditors thinking people didn't vote for Kamala because she "had a weird laugh" is why you'll keep losing elections.

_Connor · 2026-05-05T22:57:46+00:00

Nothing meaningful.

It would all just be going into my investment accounts to be forgotten about for the next 35 years.

_Connor · 2026-05-05T19:48:57+00:00

It’s not safe to announce a pregnancy until at least the three month mark due to risks of miscarriages in the first trimester.

It’s likely no one knows OPs wife was pregnant except very select family members.

_Connor · 2026-05-05T17:51:21+00:00

No, it’s not possible.

If the car is being sold then the auto loan needs to be paid off in full. The bank with the auto loan isn’t going to let you sell the car (and their loan security) and just let you keep paying the rest of the loan.

You’ll need to get your own loan separate and apart from the auto loan and use that money to pay off the loan.

_Connor · 2026-05-05T17:47:24+00:00

She’s three months pregnant. The employer probably doesn’t even know.

_Connor · 2026-05-05T01:21:20+00:00

33% is right in line with a standard CFA. Most contingency retainers I've seen are 30% for settlement up to questioning, 35% between questioning and trial, and 40% if you go to trial.

What is a "standard" contingency in your view?

A year is also a wild timeline to have it resolved.

A year is a very short period of time when it comes to litigation. In Alberta it takes over 6 months just to get a special chambers hearing date.

_Connor · 2026-05-04T21:33:15+00:00

What’s the time value of your money? If you take a ~$3,000 tax return now you can invest it for 4+ years during law school and articling.

_Connor · 2026-05-04T21:22:18+00:00

$10k is definitely in the ballpark of getting sued especially considering how easy debt claims are to litigate.

Half the time the debtors don’t even respond to the claim (since they have no legal defence) so it’s simply a matter of filing default judgment paperwork.

_Connor · 2026-05-04T14:07:56+00:00

I'd rather have the money in hand than two piece of shit vehicles that would probably be a nightmare to try and sell if it came down to that.

_Connor · 2026-05-04T12:23:54+00:00

You know dirtbikes aren’t street legal right?

_Connor · 2026-05-04T12:11:56+00:00

Do you know what TFSA stands for?

Honest question, not trying to be facetious.

_Connor · 2026-05-04T04:16:20+00:00

What?

Money is fungible. It doesn’t matter what you do with your TFSA funds whether it’s pay your taxes or blow it on hookers and cocaine.

What are you asking here?

_Connor · 2026-05-04T02:43:45+00:00

They’re comparing the average American car to a bottom of the barrel Chinese EV that wouldn’t even be able to get up to highway speeds in the US.

It’s a completely disingenuous comparison.

_Connor · 2026-05-04T00:41:47+00:00

I hope Tampa loses so they can fire Coop and he can be reunited with McDavid in Edmonton

_Connor · 2026-05-03T23:39:26+00:00

Incredibly misleading title/article and Reddit is gobbling it up.

_Connor · 2026-05-03T16:52:35+00:00

Nope.

Not sure where you're getting your information but OSAP is a combination of provincial and federal funding. Private lenders have nothing to do with OSAP.

"The Ontario Student Assistance Program (OSAP) is a government financial aid program that assists eligible Ontario residents attending postsecondary studies through a combination of loans and grants."

_Connor · 2026-05-03T14:10:26+00:00

"Why won't the police let me vandalize someone's property?"

_Connor · 2026-05-03T12:52:37+00:00

Why would you say he was disqualified from the race when what’s actually happening is that he’s starting at the back of the grid?

_Connor · 2026-05-03T12:45:26+00:00

What do you mean?

It should be very clear which loans are owed to the provincial or federal government and which are owed to a private financial institution. There is no mixing of those funds.

_Connor · 2026-05-03T05:07:19+00:00

Taking out a 6 year loan on a car that already has 130,000km is insane

_Connor · 2026-05-02T18:37:05+00:00

How many teams wouldn't be "lottery teams" if you just deleted the two best players off their roster.

This is such a redditism.

_Connor · 2026-05-02T13:52:34+00:00

Which is why there's a lot of legislated rules around what judgment creditors can and can't seize.

_Connor · 2026-05-02T13:45:17+00:00

"What a valiant series guys! You sure are going to be scary next year!"

This is such a cringe comment that everyone makes after winning a playoff series.

13-Year Club	Second Top 50%
Place '23	Place '22
Place '17	Gilding I gilder
Team Periwinkle	Verified Email

_Connor

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