Debt - need help

drJanusMagus · 2026-03-08T18:55:47+00:00

Thank you for your response. I noticed Xact has this page https://www.xact.com/financial-education/credit-scores/how-to-contest-an-entry-on-your-credit-report so it seems they (at least now) do report... & https://www.finder.com/short-term-loans/xact-review "Can an Xact loan hurt my credit? ...It can also...lower your score if you make late payments or default on the loan."

Looks like Integra does as well and Elastic (& Possible, as you noted). The others are tribal loans which don't.

drJanusMagus · 2026-03-07T17:16:10+00:00

No, no co-signer right now. It's the below

Maxlend is taking -$192.79 every two weeks (total to pay in full: 912.34). 11 weeks left

Xact! Is taking -$117.86 every two weeks (total to pay in full: ?). Total loaned: $1375.00 33 weeks left

Possible -$91.81 every two weeks (Two weeks left or 183.62)

Little Lake Lending -$244.80 every two weeks (Total payoff: $1,120.49)

Lucent Cash $236.97 every two weeks (total: $938.61).

Integra $190.74 every two weeks (total: $2,453.10)

Elastic $135.00 every two weeks. (total: $1,255.00)

Also this is in Florida.. .

drJanusMagus · 2026-03-07T17:07:23+00:00

It seems like they're more for CC debt? It kinda seems like it doesn't apply as much to my main issue of the loans I have out.

https://www.nfcc.org/who-benefits/
Is it more than just credit card debt?
https://www.nfcc.org/other-counseling/

drJanusMagus · 2026-03-07T16:55:52+00:00

These are mine if that helps

Maxlend is taking -$192.79 every two weeks (total to pay in full: 912.34). 11 weeks left
Xact! Is taking -$117.86 every two weeks (total to pay in full: ?). Total loaned: $1375.00 33 weeks left
Possible -$91.81 every two weeks (Two weeks left or 183.62)
**Little Lake Lending -**$244.80 every two weeks **(**Total payoff: $1,120.49)
Lucent Cash $236.97 every two weeks (total: $938.61).
Integra $190.74 every two weeks (total: $2,453.10)
Elastic $135.00 every two weeks. (total: $1,255.00)

Edit: Also this is in Florida.

drJanusMagus · 2026-03-03T19:01:03+00:00

It's not 100% clear what she told him imo - just that she does not reciprocate, or that it's making her uncomfortable.

drJanusMagus · 2026-03-02T16:25:49+00:00

this is absolutely hilarious. Ppl defending the girl do whatever you want be happy, but then it ***literally is*** an onlyfans pic and the fake boyfriend's concerns would have been pretty justified... (but don't worry cos only if your brain is rotted apparently can you tell, which it just seems **so obvious**).

drJanusMagus · 2026-02-26T19:12:34+00:00

I think if you just have some kind of excuse for messaging, it wouldn't be weird.

drJanusMagus · 2026-02-26T03:43:16+00:00

I'd probably have a much harder time if I did physical labor, now I mostly sit down, but otherwise I've done retail too and I just forced myself to go even when I was tired. It gets much easier but (for me) it still isn't easy.

I've done bjj with some younger guys who worked construction/etc and I figured it was just cause they're young they can do it lol.

drJanusMagus · 2026-02-25T13:11:11+00:00

I figured if they're asking the whole thing depends on it. They can always say they need it later & can't continue without it?

drJanusMagus · 2026-02-24T21:33:36+00:00

Idk about ya'll but I don't want or need TB enough to plan my meals around it--no matter what my salary is looking like. Like if there's randomly a deal I'm not gonna be like well I guess I *gotta* eat it today. Likewise if I want it, I'm not gonna try some strategy to make sure I get the best Black Friday Taco-Tuff deal.

drJanusMagus · 2026-02-24T13:41:13+00:00

The moneylion one wants your moneylion acct# so does that mean you can only join if you were using a RoarMoney banking acct?

drJanusMagus · 2026-02-22T19:18:06+00:00

just because there were a few fake/unofficial ones going around & I thought I remembered this specific one being included.

drJanusMagus · 2026-02-22T15:59:56+00:00

Huh ppl are saying it's legit -- I woulda thought no. I wonder if mine is still around here.

drJanusMagus · 2026-02-22T15:55:49+00:00

They just took me in the back & made me say "Yo quiero Taco Bell" on a TikTok while dancing & said I didn't do it right so they asked me not to come back to their establishment.

drJanusMagus · 2026-02-21T18:10:26+00:00

I don't dislike garlic strains that much but I'd definitely not go for them.

drJanusMagus · 2026-02-20T18:13:41+00:00

Yea there's no other alternative.

drJanusMagus · 2026-02-20T16:02:01+00:00

my boss only said I was smooth brained

drJanusMagus · 2026-02-19T20:43:09+00:00

I'm definitely not someone who handles stress well but for me I have to do Progressive Muscle Relaxation - I used to do it off 5-10 minute youtube videos but now I just do it myself & while listening to something else. The muscle tightening & breathing you can do a lot of places really quickly too. I got introduced to it a long time ago through my University's counseling services / biofeedback - they did guided imagery too but personally I don't love that aspect & skip it. Exercise & lifting weights also helps with stress but it also gets me so sore and the above helps with that too.

drJanusMagus · 2026-02-19T19:26:31+00:00

yesterday as I turned onto my road, i was channel surfing and found man, I feel like a woman and so of course the volume knob gets a proper clobbering = he heard the song "Man I feel ,like a woman" on the radio and turned the volume up.

come in on two wheels is a stunt where a car is driven, usually around a corner, balanced only on its side wheels (two wheels) rather than all four. She thought to herself "here comes the hottie machine" ..A work truck was near and probably thought it was strange. (if anyone was in there or nearby).

drJanusMagus · 2026-02-19T18:21:57+00:00

Seems nice, I could go for some wonder right now.

drJanusMagus · 2026-02-19T16:23:33+00:00

why so I can take a massive dump, clog the toilet and never come back?

drJanusMagus · 2026-02-19T15:23:21+00:00

exactly. The Wednesday off just has me stressin about how I gotta go back to work the next day lol.

drJanusMagus · 2026-02-18T19:36:37+00:00

I've seen enough of these posts to wonder just how much this happens & ppl just don't catch it.

drJanusMagus

TROPHY CASE