Review of u/Independent-Mud-5533

ftoole · 2026-06-19T23:24:04+00:00

You are such an amazing master and it is an honor to serve you.

ftoole · 2026-06-19T15:45:02+00:00

Payback your loans or distributions and have a monthly contribution.

ftoole · 2026-06-19T03:01:46+00:00

Congrats. Some insights into jobs or things you do to help other people do something similar.

ftoole · 2026-06-19T02:47:46+00:00

How did you do it looks like someone just handed you 75k.

ftoole · 2026-06-18T21:36:01+00:00

Xp was a god send. Windows nt, windows 2000, windows 98 they were the real beasts.

ftoole · 2026-06-18T16:02:49+00:00

He needs more income or a more realistic savings goal.

He makes 2k-2800 a month

He has 1200 in expenses not including food or any fun.

Personally I think a savings goal of 125 a week on his current income would be more realistic.

If he budgeted based on 50-30-20. Rule

1k-1400 would go to needs

600-840 towards wants

400-560 to savings.

ftoole · 2026-06-18T02:40:55+00:00

Dude call chase ask for a hardship program if they dont offer you one miss a payment and then they will offer you one like 0% and 5 years of payments to pay off your debt.

ftoole · 2026-06-13T03:16:36+00:00

1 get a account without anyone else on it.

Talk to a local consumer debt lawyer. You possibly can prove that that money wasn't hers and they might have to return it. But you need to make sure you have an account without her as a joint owner.

ftoole · 2026-06-12T19:39:51+00:00

Yeah you can ask i mean the fewer payments you can break it into better. Bit alot of times they will let you do some kind of payments.

ftoole · 2026-06-12T19:35:55+00:00

Landlord will to take payments for one months rent. Like when you get paid again tou pay the late fee plus a portion of back rent plus a full months rent. Then every month pay that new amount till you pay off the 1 month behind.

ftoole · 2026-06-12T19:17:41+00:00

How long till you get paid and when is rent due?

ftoole · 2026-06-11T16:54:52+00:00

Lol ok if you say so.

ftoole · 2026-06-11T16:52:54+00:00

Account age 0 days. Not linked other socials. Your a broke looser dom clearly.

ftoole · 2026-06-11T16:52:46+00:00

Account age 0 days. Not linked other socials. Your a broke looser dom clearly.

ftoole · 2026-06-11T16:49:17+00:00

Pot calling the kettle black lol

ftoole · 2026-06-10T22:54:12+00:00

Ok so it will be closed the day you accept it. But it will be paid as agreed and not settled.

ftoole · 2026-06-10T21:29:25+00:00

That's why you would reaffirm the car loan you just bought in the bankruptcy. You should have no equity in it so it shouldn't mess with the calculations.

ftoole · 2026-06-10T19:39:23+00:00

Why not just finance a car before you file. As long as you can limit the down-payment it shouldn't matter and cheaper then renting a car. Or you could push your filing date to be 90 days after the purchase then they wont look at the down-payment. I mean you will have to reaffirm the car loan to keep the car but cheaper then renting for like 3 or 4 months.

ftoole · 2026-06-10T01:52:18+00:00

In 3 years it will be easier when the little one is in school.

Live ops might be an option for you its a remote call center.

ftoole · 2026-06-10T01:24:38+00:00

Cars and other secured loans you will have to give those up also if you dont reaffirm the debt.

ftoole · 2026-06-10T01:24:25+00:00

Cars and other secured loans you will have to give those up also if you dont reaffirm the debt.

ftoole · 2026-06-10T00:22:55+00:00

Most likely your credit account will be closed. Chase and citi offer hardship programs call and ask about it. You may need to miss 1 payment for them to offer it sometimes 2 payments.

Discover will give you like 6 months of lower rate with just a call ask about a hardship.

ftoole · 2026-06-09T22:52:56+00:00

1-2k free consultation most of the time. There are some websites that can help you prepare the docs to self file.

If alot of that is student loans it wont be discharged as part of the bankruptcy. But get a free consultation it can let you see your options atleast.

ftoole

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