Suffocating Debt

[samoth]

or just tell everyone to go F themselves and live off welfare til the bankruptcy and other stuff drops off your credit report. 75th, Army Vet, java, and the rest of us will be more than happy to support you.

People with $120,000+ in student loans aren't allowed to participate in this conversation.

 

[binö]

People with $120,000+ in student loans aren't allowed to participate in this conversation.

and bankruptcy doesn't cover student loans

 

[SaiBoT]

A) I'd change my user name if I could but I think you have to create a new account to do that.

B) Well this thread wasn't created about depression but sure I'll elaborate. I don't think my depression can be tied to on specific thing I think it is more of a mix of things, being in debt has been one of them. Drinking was a problem but I have a handle on that, never was an alcoholic but I did use it as an escape. Self esteem has always been the largest contributor to it. Thats about it.

Got to the top of screen where is written YOUR ACCOUNT there you can change your username.

Look bro all the stuff I've done was for six months or so, not that i ever was drug addict or alcoholic, I just used it as an escape, just like you said.

I know that money is an issue specially when you decide to live on your own, you have to pay your bills, a decision might seem good at short term but it might fuck u up on the long run you know what i mean? You must realize that you don't have the means to be where you wanna for now.

Honestly I think you should talk w your parents and explain the situation to them.

When you manage to pay your debts, keep in mind that you had that problem once and save money for another possible "rainy day".

Now... Life and bodybuilding are an analogy if you build a strong foundation you will most likely be able to achieve your goals.

 

[needtogetaas]

http://flamerama.lefora.com/2008/08/17/hello-ef/

when ef gos down this is the place.

 

[javaguru]

http://flamerama.lefora.com/2008/08/17/hello-ef/

when ef gos down this is the place.

Bro, another private venture to generate goodwill?lollolll..I luv you in a non pick3 way....

 

[needtogetaas]

Bro, another private venture to generate goodwill?lollolll..I luv you in a non pick3 way....

just for fun till monday

 

[galaxy]

Just chill bro. Aint worth stressing over. Pay double if you can on credit card and loan payments. If not, just always make the minimums and make sure you always have about $500 in the bank for emergencys.

 

[Big Rick Rock]

Anyone else in debt? It causes so much stress I wish I could just start over with a clean slate. I think it was large contributor to my last bout of depression. It seems like I cannot do anything, go anywhere, its like a ball and chain that I won't be getting rid of anytime soon. I already made positive steps in getting out of debt; I only make necessary purchases now - I ask myself if I need or want before I buy, I paid off all my credit cards and torched them, literally.

Even after doing this though I am still in the red and it seems like I'll never get out. I have student loan debt which isn't bad as far as payments are concerned but I was stupid and didn't get a federal student loan so I have an AR which is currently at 10.5% $20k. I also have a $6k loan I took out for furniture and such when I first moved out of my parents which is 25% interest. On top of all of that I bought a brand new truck which I felt at the time was an important part of maintaining the image I had (another mistake) which I pay $500 a month for not including insurance.

I know I got myself into this but anyone have any tips for getting out of it?

make more money. Its the only way to get out of sinking debt. To make more cash.

 

[Razorguns]

Start finding happiness OUTSIDE material things. Do that first.

Second, stop buying shit you can't afford. Do that next.

Third, realize how great your life is now compared to others who WISH they had your problem instead of prison, disease, poverty, 3rd world opression, age, obesity, family problems, etc. etc. etc. Go volunteer at a substance abuse or va hospital or homeless shelter to see how fucked up the rest of the world really is.

You can't go to jail for debt. So unless you're buying a hosue - who cares. Banks and companeis go in debt and declare 'due to ever-changing market conditions' to fuck over stockholders, ask for bailouts, not pay their bills, whatever. So it's not a big deal. Pay it off slowly or not at all. Concentrae on yourself. Annoyed with calls? Change your numbers.

Shit is too easy. I have zero debt and don't even use cc's. My cr could be 125 and I couldn't give a rats ass.

r

 

[galaxy]

An SSRI may help if your depression and anxiety about it is that bad. You shouldnt be dwelling on this. Also a symptom of being bipolar I is that you will get yourself into credit card debt. Maybe a mood stabilizer?

And Im just saying, something to think about. Im sure you would further research and seek out the advice of a professional who is well educated.