No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
$13,500???????
I don't see how you can get "Harassed" for a DWI.
Nonetheless $13,500 is steep. Does the attorney give you any leeway?
Regardless of how bad your situation is at least you're tracking it and know what is going on.
Best I can say is work with the attorney and state your circumstances.
I don't know what state you're in so I have no idea if a DWI is just being impaired or if it is equivalent to a DUI, but is it worth the money you're spending to fight it? Typically, you either passed the test or you didn't. I understand your job hinges on a clean driving record, but do you even have a chance of winning? Claiming you were harassed won't change test results. If there's almost no chance of winning, I would cut my losses and put that money elsewhere. My wife would take a loan out for me if I asked, but I would never put her in a position where a bad month, week, or day could jepordize her financial well-being. If you're having trouble making ends meet, what will happen once you add a loan payment?
Good luck with what you're going through.
OP,
I won't go into much detail here because each state varies, but as hinted above, paying that amount of money to fight a DUI/DWI is 90% of the time, a poor investment so to speak. Courts typically give you a very light penalty for the first DUI such as a few thousand dollar fine, drivers education, and alcohol classes. This all just by signing that you were guilty, made the mistake, and move on. Many many people have unfortunately experienced this, and it's simply the best way to accept it and move forward. (Don't get me wrong, I'm all for defending yourself if it's justified, but likely a DUI/DWI is a clear cut give-me of a case.)
I'm presuming you're already down the road on this thus far, meaning if you are stating the number $13,500 then likely that's for services already rendered and not anticipating. On that subject, all you can do is work out a payment plan with your attorney if possible and hope to put the majority of your funds on items that are Necessary*... things like mortgage/rent, utilities, and payments due to prevent future hits to your credit. A 30 day late is bad, a 60 day late is very bad, and 90 days + is excruciating to your profile.
I'd say, take the the court issue with a grain of salt and move forward, don't fight and waste the money if you truly/honestly/no-questions-asked did drive while under any type of influence. Even in those cases, courts will ask you outright what you can afford the day of the hearing, especially when pleading guilty, and many times openly state "Don't tell me a price you cannot afford, even if it's $25 I'd rather it be a lower number then one you will not be able to make."
As for the significant other being a co-signer, I'm not sure what if any good things could come of that, or if it's even possible with her being in a 600 range. I would do everything known to man short of selling an appendage to stop myself from asking/putting them in that situation. You did a fine job getting out of your previous predicament, continue on that path, achieve success solo and help keep 3rd parties or people you love from being involved in it. Reminder: Most relationships fail due to financial issues... I'd avoid it like the plague!
Good luck, everyone is always here to offer advice / opinions so we're glad you asked!
@Cred4All wrote:OP,
I won't go into much detail here because each state varies, but as hinted above, paying that amount of money to fight a DUI/DWI is 90% of the time, a poor investment so to speak. Courts typically give you a very light penalty for the first DUI such as a few thousand dollar fine, drivers education, and alcohol classes. This all just by signing that you were guilty, made the mistake, and move on. Many many people have unfortunately experienced this, and it's simply the best way to accept it and move forward. (Don't get me wrong, I'm all for defending yourself if it's justified, but likely a DUI/DWI is a clear cut give-me of a case.)
I think op was pretty clear that with a DUI he will, not only lose his job, but also be unemployable in his industry. So I think this does count as the 10%.
OP, only advice I have is do your best to prepare yourself to change industries. I would suggest looking into something like, windows or blinds, commission sales that doesn't require driving. Also I've heard that car salesmen often do better at finacial planning than other applicants, because really financial planning isn't about the financing, but the selling of your firm. Also highly commision based.
What did the lawyer tell you he could do for the $13.5K? DWI is usually pretty cut and dry, either you were or weren't over the legal limit. If a lawyer told me he could get a charge dropped knowing (or should have known) that was false, I would consider it fraud and consider legal action to get my money back if possible.
What ended up happening Himista?
Congrats on the baby news. Keep in mind that will be putting your girlfriend out of work and unless her job/your state covers women out on mat leave, she may be out of income for some months when she takes leave; not sure if this was something you guys had even talked about before it happened. Not wanting to get into a controversial topic here, but given everything else you have going on, just keep in mind that you and her have choices in this country, despite the current political climate.
In any case, my advise on the joint account is this:
This ensure that the division is equitable as a percentage of your income, it works out way better than a 50/50 split if there's a significant wage difference between the two of you. If you roughly make the same give or take a few thousand bucks then just split 50/50. I will also suggest that if you are just going to be paying bills from this account, you either forgo the debit cards associated with it, or keep it the debit cards in a ziplock bag full of water in your freezer so that you do not use them for incidental purchases.
While this is the MyFico board, I think your FICO score and damage to your credit at this point should be the least of your worries. If you are already 60+days late on your cards and other payments and they are reporting as such, the damage is done. Focus on getting your finances in order to prevent this from happening again in the future like you did once already with building savings. The scores will recover with time, but your soon to come baby needs parents that are not stressed out about keeping a roof over your heads. Hope this helps, and sorry if it comes across a little harsh, not my intention.
Hi Himista, let me first say welcome to MyFico!
You've done a lot of great work in getting things in a better place from your original post. I hope the DWI works out in your favor too.
Oh, and congratulations on the baby!