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I need help!!!

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I need help!!!

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.
Working to get it back together!
2 REPLIES 2
Super Contributor

Re: I need help!!!


@Inquisitiveone wrote:
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.


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 2 of 3
Frequent Contributor

Re: I need help!!!

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?  

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EX 780 TU 806 EQ 810

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