Okay, please dont judge, Ive screwed up and its partially not all my fault. Life started happening: I was laid off in September of '17 and havent been able to secure a job at the same level since. I have been driving the food delivery apps and moved out of my rental home and I rent a room from my son. Prior to that I was working in human resoures for the past 17 years (industry) and have been able to maintain my lifestyle....for a while. I filed a Chpt 13 in May of '17 and the monthly payments were 850 a month. I was fine with paying it because I was saving money and just trying to get back to a good place. When I got laid off the unemployment only lasted 6 months. I am about to get an offer for a job that is 80% less that what I was making before. (I dont have any other choices) I have two repos on my account and 1 credit card that I use as my own because I am not the primary (my son was gracious enough to be a primary on it) here is the kicker: when my chapter 13 dismissed I filed a chpt 7 pro se that was dismissed because I forgot some paperwork and I was silly enough to file it again! (insert eyeroll) I was trying to save the cars.That has since dismissed..... One of the cars got repo'd (the newer one) and the older one I am going to call them to have them come get it (my son was in a car accident and it has 150K+ miles on it. I cannot afford to file chapter 13, I cannot file another chapter 7 till Nov of 2019. Honestly I dont want to file ever again....what I want to be able to do is pay off the old utilities, save money to buy a car out right (uber and lyft to work till then) when my son's lease is up, I want to find a private owner to rent from. In the mean time, I want to get my credit back (surprisingly all three scores are hovering around 600) and I owe some older debts but I am wondering if its even worth it to pay them (older than 2 years) Has anyone had similar situations? How did you recover? I am thinking 2 years to dig myself out. I also have a pending credit offer from First Premier bank ($500) and they want a $95 application fee. Should I take it? (I am also working on getting a higher paying position, I just need an in between job right now). Serious advice appreciated.
If you really want help I suggest you rewrite this post:
1. Put in only the relevant information.
2. Use paragraphs and sentences.
3. Ask numbered questions at the end.
OP, South Jamaica is correct -- it's easier to help someone when the request is more readable and contains specific questions. That said, I'd love help you but I need information I can use: What will your income be? What will your DTI be? What are your debts -- how many creditors do you still owe and how much do you owe them? You said you had roughly 2+ year old debts you weren't sure if you should pay -- how old are they exactly? Why weren't they included in your bankruptcy?
You mentioned you live with your adult son -- he charges you rent? Can he provide R&B for free? Also, how old are you? Are you capable of working a second job?