u/Kittenking13

So to sum it up things got… bad? Basically everyone I lived with was unable to pay rent for what was supposed to be like a month and turned into 6.

I’ve spent the past 6 months in a diffrent living environment trying to recover but it’s actually gotten worse

To sum up what I owe

7k on a dead car (lasted 4 months)
5k on a dental loan
2k in credit cards two of which got closed because everytime I tried to make a payment, someone else got to the money first.
4k in medical bills
7k to an old apartment (not a broken lease. Just a bill they charged after due to me being unable to clean the place due to family/car issues)
2k loan to some loan place.
Annnnd 6k to the irs due to a mix of me being a dumbass and not updating my mailing address. I don’t actually think bankruptcy prices that but I would like to be in a position to pay that off.

I’m drowning in everything and almost every payment is a month behind. According to Credit Karma I have a credit score of 528.

I do have a different car with a different car loan. Jesus himself could not tell me why they approved me for 13% interest but I’d like to keep the working one. I live in an area where driving is nonnegotiable. I’m about 10 miles from anything, and there is zero public transit. Ubers would also cost me 800 a month minimum, and between car, gas and insurance I’m paying about 600
I owe about 7k on it. Besides that I have no assets.

My monthly expenses sit around 2000 a month(including car) and I make 50k a year but monthly it varies on the season.

No ged, no college, and I work in an industry where I could have a felony and employers would probably get over it so I’m not worried about finding a job with a bankruptcy.

Honestly is bankruptcy like… something I should call a lawyer about?

Recently moved to a small town for work to a small town and the few people I’ve met who play are very… not my crowd.

I’ve played baldurs gate and read through the players handbook and dms guide so I’m pretty confident in realizing how 5e works. But I’ve only ever actually played 3.5.

Honestly just trying to get back into it as a 26 year old guy. Definitely needs to be a lgbtq friendly group though. And historically I have preferred a balance of role play and mechanics but really open to other playstyles.

Just uhh let me know!

I got a 2014 mini coupe s with 40k miles, for 10k

For all intents and purposes it seems to be in really good condition, and they are giving me an extra full size tire to hang onto (which I ironically can’t fit in the car)

It’s had all its maintenance done constantly and only two owners. How… are they? And any advice on maintenance and whatnot? How often to get oil changes? I just commute to work in it so… yeah did I do a stupid?

There’s a 2020 ford edge with 80000 miles for 14000

And a 2016 ford fiesta with 25000 miles for 12000

I’ve heard sketchy things about the fiesta transmission but I’m having a lot of decision paralysis. Any advice would be appreciated.

Whichever I decide I’ll get inspected first to make sure alls good.