u/Careful_Leader_5829

39 years old and trying to decide whether Chapter 13 bankruptcy makes sense. I make about $100k/year but currently have about $38k IRS tax debt, $30k credit card debt, $4k payday loans, $5k medical debt, and $30k student loans. I already have an IRS installment agreement but the overall debt feels unmanageable. Credit score is under 600.

I don’t really have assets to sell. I rent, and my car is too beat up to be worth much.

Has anyone here been in a similar situation? Did Chapter 13 actually improve your life long term, or do you regret filing?

The biggest problem that I'm having is that I need to move out of this apartment. I went through something very traumatizing here about 4 years ago and I still live very close to The person who traumatized me. But my credit score has sync over the last 4 years. Most of this debt is because of the last 4 years. I am so scared that I'm going to be stuck here because it's so hard to find another place to live with such a bad credit score. And I'm worried that if I file for bankruptcy it's going to be even worse.

I currently live in Missouri, but I'm thinking of moving to another state.

EDIT: Specifically was asking about agentforce and Salesforce AI features. Not AI outside of Salesforce.

I sometimes consult for very small nonprofits with extremely limited budgets. I'm currently working on one that takes in a lot of case submissions via a form requesting help in some form. This group in particular is run by one person, part time.

I was wondering if I could use AI to make their lives ever-so-slightly easier. The use case I wanted to try as a proof-of-concept was using using AI to populate a a brief summary in under 255 characters.

Is something like this available to such small nonprofits yet?

I've heard that people with BPD have a fear of abandonment.

However, what happens if someone leaves? whether it's a friend, family, anything like that -- Is 'revenge' for the person leaving a common symptom of the person leaving? Or is that something else?

...Won't get be able to get into why I'm asking, sorry :(

I tried replacing the spark plugs in my 2013 Jetta. A month later, the check engine light went on and it started having issues again.

Mechanic says the spark plugs were a poor brand, and I need an OEM brand like NGK (or another one I can't recall and can't find where I wrote it down).

Can someone please help me make sure I pick the right things so I don't have to go through this again? I need the car a BUNCH this week.

EDIT:

So I found these spark plugs at an autozone near me: https://www.autozone.com/p/ngk-spark-plug-4344/940700

These are the 'genuine' parts found on fcpeuro: https://www.fcpeuro.com/products/vw-spark-plug-jetta-beetle-rabbit-vag-101905600c#description

Are they that much different? I need the car this week a bunch so I'm going to have to get the autozone ones anyway, but is it worth also ordering the 'genuine' ones?

So I have a google business package so I do have a domain for email, but I don't actually have a website.

The business is for independant technical consulting so I never really needed a website. But in order to be a partner with the CRM I consult on, I need to have a business website.

I'm not really sure what the easiest path forward is here. I don't expect to use the site for very much, but it's necessary to have.

Am I able to use just google tools to build the website? Or do I need to start from scratch somehow? Like, can I build something in wix or wordpress, but then still use my google business domain somehow? That's the stuff I don't know where to start.

So..........

In some ways, Voyager's premise reminds me of part of Battlestar Galactica. Because the Maquis are a mystery, we have a ton of people ON the ship who could end up not being what they seem. And it seems like Voyager could have done this a lot, but pretty much only did it with seska.

But... Voyager decided to kind of throw in the towel on the Maquis thing really quickly. They did have a little fun with it over the years, but ultimately once the two crews decide to get along, it's almost like they've all always worked together.

The only exception was Seska (and the sociopath guy, but that's like a whole other story).

But everythign with Seska... I don't know if the writing was just too convoluted, I don't know if the writers struggled with knowing how to make it work, I don't know if there was a chemistry issue... I don't know! The whole thing was confusing. Was Beltran's acting kind of confusion, too? Like maybe he was confused about whether his character was actually in love? Was Seska not even a good villain with any person and instead just like... a premadonna? Or was it just that there being a secret-identied person on Voyager have zero stakes because they were in the delta quadrant so it was like.... who cares that you aren't who you say you are?

Am I wrong? Was I supposed to like the twists more for what they were, or did the writers not follow through on developing something that could have been more interesting?

I'd be interested to know what the history of that resource given that they clearly changed a lot of things after Roddenberry passed away.

For example, initially Roddenberry said that we should not have any stories about Vulcans, but then we got a couple of the best stories about Vulcans in the entire franchise in TNG!

I'm not even sure where to ask this.

A few of us noticed that the comment histories like this (https://www.reddit.com/user/ForFun268/) have really obvious signs of being AI generated.

In the past, bots on reddit have been accepted if helpful (and they are generally named with transparency) while spam is blocked. But I don't know if I should be reporting these types of users or not.

I'm asking because I was thinking about how some cast members had to do several hours of makeup. So I'm wondering how many days per year they actually had to go through that.

PLEASE NO ROMULAN ALE I'M SERIOUS THIS TIME FOLKS

https://www.minutecryptic.com/custom/cfbec9e0-8d56-4711-bc2a-069e23216f86?utm_source=share

This is my first time trying to make a minute cryptic, please let me know what you think!

https://www.minutecryptic.com/custom/d9a51369-aea5-4cda-8f20-d4fecba999c6?utm_source=share

EDIT UPDATED:

Get away for sounds of shore and noir (4)

thx for the feedback!!!

I turned 39 this year. I have more debt now that I did ten years ago. And I went through really extreme psychological trauma this winter. And have been going through hell the last 3 years already.

I have been too depressed to even function this year.

I have tried therapy, medication, everything to help me pull through. I am single and have no kids but can't muster it within me to even date. I have been feeling like I have no hope and nothing to look forward to.

I've always been an active person who problem solves when things are hard. But here, there is no way out until things change.

I was watching a TV show and saw that soldiers would sing songs when hopeless or in war.

I guess, I feel like maybe that's all that's left for me. I need to sing and connect with songs and singers and find something deep and emotional that I can work on when I'm home alone.

Sorry this is such a weird post because I am also struggling to be understood among a few people close to me these days. Anyway. thanks for reading. Looking forward to any suggestions.