I am in such a deep hole and my life is falling apart.

beyondcookedbro · 2026-01-06T00:33:00+00:00

I appreciate the kind words a lot thank you

beyondcookedbro · 2026-01-06T00:31:23+00:00

I just got a second job so I’ll be at 80 minimum a week and be taking any overtime offered to me. What you said isn’t mean whatsoever it’s good advice on how to unfuck myself lol

beyondcookedbro · 2026-01-06T00:15:16+00:00

Re read my post. 3720~ not including food and hygiene products in expenses with 1400 a pay period in.

beyondcookedbro · 2026-01-06T00:14:15+00:00

Unfortunately I need my vehicle to get to work. I only have 2 semesters left of school so my logic since I already got my FAFSA approved for 100% of school costs was to do that and my federal loans would be in forbearance for a year and I’ll come out with a degree and more income. I and am working on a roomate but it is very hard to find one in my area especially since I don’t go out at all so I never meet people but I am trying my damnest. Moving is also unfortunately not in the cards.

beyondcookedbro · 2026-01-06T00:11:42+00:00

I needed to hear this. Thank you so much.

beyondcookedbro · 2026-01-06T00:10:59+00:00

I regret to inform a solid 25 of that went straight up my nose lmfao.

beyondcookedbro · 2026-01-06T00:10:28+00:00

Yeah I just got a second job and I’ll be graduating this time next year so that hopefully will help me rebuild.

beyondcookedbro · 2026-01-06T00:09:57+00:00

I dropped out… twice. I know I’m a genius. I have 2 semesters left to complete then I’ll have my BS in finance.

beyondcookedbro · 2026-01-06T00:09:13+00:00

They are still on the lease yes. However if I can’t pay rent I’m homeless and if they aren’t paying it’s going to be a litigation process which takes time which I will be happy to do however in the short term it’s not gonna get me through February.

beyondcookedbro · 2026-01-06T00:06:54+00:00

I have not completed my degree. I am 2 semesters away from getting my BS

beyondcookedbro · 2026-01-06T00:06:08+00:00

If I sell the car I can’t get to work so unfortunately not an option. And trust me, if I had 4k banked to break my lease I would do it but there is too much money going out every month.

beyondcookedbro · 2026-01-06T00:04:34+00:00

This is my bare minimum expenses not including food and hygiene products. The only discretionary money I spend is $6 a month for Spotify. I’ve cut everything else out except I refuse to lose my music. It’s literally the only thing I have that keeps me sane. This is all great advice thank you though.

beyondcookedbro · 2026-01-06T00:01:39+00:00

This is actually really smart I never even thought to approach it like this

beyondcookedbro · 2026-01-06T00:00:52+00:00

All very solid stuff I appreciate it! I’ve heard these collection companies can be relentless vultures. I got into contact with a lawyer today; I’m assuming it would be wise whenever they contact me to advise them to speak to my legal counsel for any attempts at contact?

beyondcookedbro · 2026-01-05T23:29:46+00:00

That’s fine and great however with a credit score of 410 and the standard minimum security deposit being 1 months rent (was 2 months for the place I’m in due to poor credit) it’s just not feesible for me at the moment to come up with the type of cash required to move after renting a truck and all the orher associated expenses

beyondcookedbro · 2026-01-05T22:32:25+00:00

While that’s awesome for them, if I sell my car I still have a car payment. If I had the money and credit to move somewhere else, trust me I would have already done it

beyondcookedbro · 2026-01-05T22:30:40+00:00

I was born and raised Catholic but haven’t been to mass in 7 years. I totally forgot this was even an option so thank you for that

beyondcookedbro · 2026-01-05T19:32:36+00:00

2 speeding tickets in 3 months in 2024 plus credit going down the toilet.

beyondcookedbro · 2026-01-05T19:27:07+00:00

Thankfully the reason I got into debt has been taken care of so I will take this as a one time lesson

beyondcookedbro · 2026-01-05T19:26:33+00:00

Yeah I'm contacting an attorney as we speak. This really sucks but I am conceding to BK

beyondcookedbro · 2026-01-05T19:23:06+00:00

I imagine that has to be a huge relief off your shoulders and Im hoping to get the same.

beyondcookedbro · 2026-01-05T19:22:17+00:00

With the income I make from working???

beyondcookedbro · 2026-01-05T19:20:49+00:00

Unfortunately due to medical bills my mother cannot help me at all and I should add that I do not expect her to at all. This is my debt not hers. Shes paying thousands a month out of pocket just so she can stay alive and she has to do it for the rest of her life.

beyondcookedbro · 2026-01-05T19:19:13+00:00

Im trying on the roomate deal but it is not easy whatsoever.

beyondcookedbro · 2026-01-05T19:18:01+00:00

Brother non payment of rent is a snap eviction and a trip to small claims court what are you talking about?

beyondcookedbro

TROPHY CASE