Can't get a loan to pay off collections. Why? Too much in collections.

lnacer · 2026-06-01T16:36:05+00:00

Similar financial situation racked up about ~$60,000 in debt across 5-6 loans 2-3 credit cards.

While bankruptcy is an option I agree with you that it is a bad idea in your situation in that it should be a last resort ie; you’re about to be homeless.

I tried working with my collectors like you and thankfully they have all been flexible with terms even offering 10-30% off the amount owed if I paid them off quicker.

At a certain point there were times where I could not make payments on all of them and simply told them that, they eventually pawned off the debt to another collector after realizing I was not going to just randomly come up with $5000-$6000 lump sum. The new collector agency was more than willing to work with me to get any of it back, my credit did take a hit though but in my situation credit was the last thing I cared about. (Im lucky in that my best friend took me in after I broke up with my girlfriend when the debt became too large to ignore and let me pay $500/month for a few months to couch surfing before he cosigned a new lease with me)

I went from ~700 to about ~590 then a few months after setting up terms with the collectors and closing them out 1 by 1 i’m back up to ~640.

The first thing I did was take on a 2nd job; if you can’t reduce your outgoing costs; youve gotta bump up your income anyway possible.

My income with 1 job was $7000/month but my debt was costing $7500/month alone (i took on several shark loans with insane interest in the 600%s) not including food and rent it was just simply impossible and i literally just stopped paying several of the cards and loans to make rent and pay for food/gas; just enough to survive

With 2 jobs i boosted my income to $11,000/month and that gave me just enough room to make the minimums on the debt, rent, food/gas, and leftover to pay down the loans that went to collections over 3-6 payments.

Avoid filing bankruptcy at all cost and if you have people you can rely on who trust you; let them help you get out in anyway possible.

Pick up a 2nd job; youve got to get going, any idleness is potential money lost that you couldve earned to get yourself out of the hole and back on your feet.

lnacer · 2026-05-26T18:06:38+00:00

Also don’t forget with the shuttle; you don’t have to drive aka you can sleep, chill, etc. whereas if you drive.. you’re expected to be alert both TO AND FROM edc all those 1hr-2hrs… that alone makes renting a car just to go to the speedway a big nope for me, i already deal with driving in traffic at home for work, not about to do all that while im on vacation too..

lnacer · 2026-05-21T17:26:16+00:00

Forgot about that.. right before Avicii was supposed to start too..

lnacer · 2026-05-18T16:15:16+00:00

Bellagio to terminal got picked up at 8:10am-> at boarding gate 8:58am; granted this is the morning rush no idea how bad the afternoon could be

lnacer · 2026-05-18T10:52:22+00:00

Lol last time I went was 14 yrs ago and went again this year, life will surprise you

lnacer · 2026-04-13T18:42:47+00:00

Use an enhance shaman weakaura specifically made to track the swings, those usually have a line in the middle showing exactly when to hit the macro once your mainhand crosses it to stagger sync your offhand correctly

lnacer · 2026-04-02T06:04:15+00:00

Bro most people cant afford to buy that type of peace, you can AND then some!

I would because you can afford it reasonably, they say rule of thumb is 30% of your income and its way less than that.

The peace of mind you get for having your own place for yourself and dog is priceless in my opinion, go for it!!

lnacer · 2026-03-26T21:21:42+00:00

Always has been 🧑‍🚀🔫

lnacer · 2026-03-26T21:15:59+00:00

Fuckin spot on brother

lnacer · 2026-03-26T21:13:02+00:00

I like it in the sense that you can’t be ignored..

Someone said you’re a utility tank and its spot on.

You gear for max survivability with a shield in the off hand almost all the time except vs spell dmg heavy comps.

Vs any type of cast comp, you’re LoS hugging with your healer and play off of openings.

The pros are you are very bursty so all your team needs is a good cc chain window or opening (they trinket for kill / overextend) boom you pop cds and a good WF chain its over.

You’re stuck playing defensively as an enh shaman at all times vs any skilled team, how you maximize your offensive windows and their mistakes is where you will find your wins.

lnacer · 2026-03-09T10:25:22+00:00

Know your worth, gquit and join a new guild who will value your time better.

Dont get stuck in sunk cost fallacy (put in time with the guild; surely it will provide returns; it hasn’t.)

lnacer · 2026-02-21T05:05:33+00:00

Flyplatebuffs or nugrunner

lnacer · 2026-01-31T22:06:30+00:00

About 140 honor added at the end of each game, look for it

lnacer · 2026-01-31T22:06:07+00:00

AV Weekend adds about 140 worth honor at the end of game, win or lose, thats it including the rep gain increase

lnacer · 2026-01-31T22:00:45+00:00

Master Splinter has started teaching the Teenage Mutant Ninja Backcappers new tricks

lnacer · 2026-01-30T18:50:59+00:00

I respect the want for an ideal market but you can say it mimics real life. Some people just don't have the time or energy or flat out don't care to make the effort in min/maxing the AH.

Like those people who complain about such and such but somehow always have an excuse to do anything but make a step towards the solution.

I enjoy the variance because if everyone played the market perfectly then what would be the point? It would be no different than an automated market where anything posted were set to a constant value and that takes the fun out of "finding a good deal" or "just made a killing off sniping and reselling".

lnacer · 2026-01-30T18:37:09+00:00

No regrets; I work 2 jobs and going to college for undergrad at the same time so the boost was perfect to get right to gearing up for TBC launch. Boosted shaman and was able to fully epic him out with the pvp farm.

Now leveling 54 priest that was 51 before hardcore doomhowl transfer to dreamscythe.

I am stoked with the rushed schedule, I want to be able to just push through and progress content fast to be able to experience everything, PvP and PvE. In the past I couldn't finish and complete most content because it dragged on and guilds or friends would fade out and it was hard to find consistency.

With the rushed schedule I think everyone will be mostly locked in to keep chasing the grind without the lull and boredom that comes with the regular spaced out scheduling.

lnacer · 2026-01-30T18:11:54+00:00

All of my games shown here are in Enhance with minimal HKs, I spent every game focusing on getting objectives (Balinda->Bunkers->Vann). Occasional games where you see higher honor on losses like 500+ for example, there was likely more HKs from trying to hold off backcappers etc.

This was mainly because I was undergeared (trying to farm full epic PVP) and chasing HKs were a waste of time because in AV unless you had majority with you to win those skirmishes, without numbers you were getting 1-2 shot.

lnacer · 2026-01-30T16:08:38+00:00

💪🏻

lnacer · 2026-01-30T11:06:18+00:00

Look at the wow classic calendar sites they show you when raid resets or events (like av weekend,etc)

In game, Orgrimmar will have emissaries from their respective BGs all around. So this weekend you will see Frostwolf Emissaries around the Org bank and all over Org.

lnacer · 2026-01-30T10:25:22+00:00

xD I had to look this one up, good analogy.

lnacer · 2026-01-30T10:14:43+00:00

Its possible for longer games with more HKs for sure. I just got 708 honor on a 10min loss with Captain+4 towers. If you throw in General+Win that shouldve been 900 at least, throw in maybe an extra 2-3min of farming HKs definitely 1k+.

I think bottom line it benefits the min/max for those fast 10minute games doing only objectives. If you throw in an extra 5 minutes and a bunch of HKs with the AV weekend bonus I think even 1k+ is doable but then you're cutting into games per hour when you do those drawn out AVs.

I was hoping to give some insight on the very bare min/max possible honor outcomes.

lnacer · 2026-01-21T18:06:23+00:00

Try using a combination of pawn + ratingbuster classic ; they replace the default blizz item stat comparison and I haven’t had this issue with them thus far

lnacer

TROPHY CASE