I just got served and I have no idea what to do.
Credit card debt with Capital One around $3,600.
Few years ago I got sick, lost my job, husband left. I have no income, no money, I can't work. I'm planning to try for disability, but I was waiting for the divorce to be done. I have a car that is paid off and that's it. I live with family. I have nothing. Can they take my car? Go after my family? Any advice on what to do?
I have started to take care of my grandmother, age 88, and discovered she has $26,000 in credit card debt across 4 different cards, which she has been living off for the last 10+ years. She does pay the minimum balance due every month. But now the interest payments are more than 50% of her income, which is only her social security. Her monthly SS is $1100. She has no savings. She does not own a house. No car. She owns no assets of any kind. She currently rents a small apartment by herself. She is dependent on the family for financial support to cover all living costs outside of her SS income.
Curious at this stage, if it's better for her not to pay them at all?
Or send a judgment letter to the bank/creditors to notify for her financial situation.
Or apply for a debt collection loan to consolidate the cards into one lower APR debt loan.
Or file for bankruptcy?
Trying to see what is the least stressful and best financial option for her in this late stage of life.
I had a lot of things happen to me a few years back in 2022 and spiraled spending 10 k on my card and was irresponsible in paying it back and let it go … long story short i’m being sued for 10 k and need some help with steps. I make minimum wage in Location: colorado and don’t have a lot of extra money each month . My judgement needs answered by the end of july and I know I owe the debt. I am getting mixed answers on whether to file with the court now and admit my debts right away or to answer neutrally that I want more proof to hold them off a bit longer ? I know I owe it all and want to setup a payment plan with the law office but not sure what to do on the filing end before that … ! please help with how I should answer when filing. ! thank you
I have a question, and I'm curious how other people deal with this.
Over the years, I've had quite a few friends and relatives borrow money from me and then "forget" to pay it back.
Because of so many bad experiences, I stopped lending money a few years ago. I even lost some friends because of it, but looking back, maybe those friendships were based more on what they could get from me than genuine friendship. These days, I would only lend money to one or two people that I completely trust.
Another reason I'm careful is that I've also experienced times when I needed money myself. Looking back, I often thought, "I wish I still had the money I lent out."and value of the money.
Now I'm in a similar situation again. More than a year ago, I helped one of my relatives by paying some of their visa-related expenses. I never like asking people to repay me because it feels awkward. I usually think, "I helped them when they needed it, so if I ever need help, they'll do the same for me." Unfortunately, that hasn't been my experience.
So I'm wondering:
I'd really like to hear how others deal with situations like this.
I have a personal loan with a 15.99% APR and a credit card with a 14.49% APR. I was contemplating paying off the loan with my credit card, but if I do that it will max out my card. I would be allocating everything i was going to use towards my loan (monthly payment + what i had left at the end of the pay period). Would that be worth it or should I just focus paying it down gradually?
I recently moved and the property we moved to has proven to be a money pit. To get the house up to scratch I have had to spend around £40,000 on credit cards. I will be clearing them and if I’m honest to myself I would struggle to maintain a zero balance as it always feels like “something is needed” and I will end up spending on them again. From a financial and credit file perspective what is my best course of action?
i bought a car from a dealership in April, got my loan thru Westlake. my payments are due on the 29th of each month and i’ve never been late. last month 6/29/26 i missed my payment and was working on paying it. (mind you before this i was never told where and how to pay it, fought tooth and nail to figure it out.) anyways i was working on paying it and they are literally harassing me with over 10 phone calls a day, all coming through different phone numbers and every time i answer it’s a horribly rude agent. fast forward to today 7/4/26, 6 days after my car payment was due i wake up to my car GONE. i called westlake this morning to add my dad as an authorized person to pay my bill and they told me he was already authorized on my account?? I got absolutely no notice that this is going to happen.. no phone call telling me it was at risk. (all they would tell me is that i was late on my payment and hang up.) no mail, no email, ABSOLUTELY NOTHING. i’m so beyond mad. i lost my job on Thursday so i only have $400 to my name. both my dad, my boyfriend and i have been calling westlake, and the dealership. my dad for through to westlake and they told him that it would be 9k + $500 to get my car back. he laughed and told them now and then they said 4k + $500 then finally he was told $700 +$500!! AND THEY WONT TELL HIM WHERE MY CAR IS. they will not name the yard where my car was taken too. my boyfriend was hung up on by the dealership and i can’t get through to anyone. i called some local yards and mechanics in my area but with it being the fourth of july obviously i didn’t have much luck getting through to anyone. i’ve never heard of a car getting repoed after 6 days late on a payment. i’m being told now i have until thursday to pick up my car (still not telling me where it is) what the actual FUCK!!!
has ANYONE else had this issue??
Hello Everyone,
Im about to embark on my journey to pay off debt save for an emergency fund then for a down payment on a house current situation is slightly rough, I'm just looking for advice on how to not give up, how to stick with it and power through ya know
Debts
Company Balance Monthly Minimum payment APR
Car Loan $10,549.30 $550 4.49%
Personal Loan $6,624.73 $224.59 11.99%
CC1 $6,616 $75 0%(until Oct)
CC2 $2,206.60 $75 27.24%
CC3 $957 $45 0%
CC4 $98 $40 22.74%
parents $4,800 $400 0apr
Must Pay
Rent $950
Xfinity $98
Phone $56
Excel Energy $125
Save $50
Invest $30
Insurance $120
Optional
Hulu $20
Spotify $16
Rocket Money $10
Gym $20
Need to budget in
Gas-$150
Groceries for 2 people-$300
Cats-$150
Fun-$50
eating out $100
This is a rough estimate for my budget, my income is on the low end and most of the time im up $100-200. thank you for reading and i know this will take time, im just impatient to get out, and eating out kills me any advice would be amazing! Income is around $3,700
This is humiliating but I have no one to talk to about what I'm going through. In my fall 2025 semester I started on academic probation and didn't turn in my SAP form until November. The semester was terrible as I was going through some of the worst depression of my life and unfortunately ended up on academic suspension. I do not plan on going back to this specific university but after taking the semester to work I found my passion again with aviation maintenance. I unfortunately cant start my A&P school because after ignoring my university since November, I opened my emails for the first time in a while and saw the 52k debt waiting for me.
Before I ghosted I had meetings with financial aid staff concerning my aid package. All they needed was my FASFA, CSS, and SAP form. FASFA and CSS forms were given since early may and July, way before the 2025 semester started, but the office told me they didn't have those forms. I provided proof and it only got frustrating when they'd ask for more. They asked for my SAP form, for months I didnt know what that was but I finally turned it in and resubmitted due to a missing signature. Again, I was told they weren't sure if they could give me all my scholarships due to me losing the merit ones and me being on bad academic standing, but I was hoping to at least get the pell grant and FASFA aid to help minimize what id have to pay.
Im low income and was only able to go to this university because of scholarships, but my personal life and personal choices got in the way of me being able to succeed the way I wanted and instead my health went downhill. Anyway, after I was told they'd review my forms I was already in the slumps after being told I wasn't able to get most of my aid back, but I was hoping for anything. I got an email saying they needed more documents and that they'd be on the todo list, I checked and never saw them. Id check the student portal and nothing. No one ever really reached out and I gave up knowing that even when I did try turning things in on time nothing could be fixed, at least that was my mentality.
Fast forward 7 months, my 52k debt has now been sent to collections and I tried reaching out to the financial aid office asking for a reconsideration on the amount I'd have to pay, explaining to the financial aid office that I did actually turn in my documents and such but ultimately they rejected it and say I'm responsible for the entire amount. I was only hoping anything such as FASFA could be applied, or the need based grants, anything, and im getting told to keep fighting but I have no idea what to do or say.
I was ready to go back to school in august for my new found passion in aviation after engineering burned me out to the ground along with the school I went to, but now I only live in regret.
Ive grown up handling everything on my own and have no idea how loans work, how finances work, nothing. I need advice, please.
Sadly, a couple weeks ago I left my laptop out in our loft area and one of my roommates came home/with her girlfriend sloshed - ended up spilling liquid all over my laptop, causing it to break(fry)
I’m now trying to purchase a replacement laptop. I was gonna buy the exact same one however after comparing prices, I think I am gonna upgrade just a little bit. I just don’t know what a fair amount is to ask for for the replacement of my broken laptop/me getting this new one. Luckily I didn’t keep any personal photos or anything on this laptop. I solely used it for gaming. I am very sad that my years of Sims play is going to be gone but other than that nothing super important was on my laptop. Posting the link to the exact laptop that I had before in comments
TYIA
Long story short, I have made some very very poor decisions personally that I'm currently working on but I'm very very in debt, to the tune of about 85k.
I am wondering if anyone has any advice on talking to the CC companies ahead of doing something like a bankruptcy or a consumer proposal. I haven't missed payments yet, but I worry it's coming down the pipeline now with costs of living, I want to get ahead of it.
hello everyone. i’m in a bit of a situation with student loans right now and i need advice but also for people to listen.
i graduated college in december and need to pay back my loans soon. i only work full time in the summer and part time for the school year. i am struggling to find something full time for the school year, which will set me in a better financial path.
i do not have any financial support. my family won’t help me and my friends can’t do much. i’m completely on my own with this and i’m worried i won’t make enough to pay them off. i also live in a toxic household and want to save up to move out, which would mean i have to pay off the loans quickly somehow.
any advice is appreciated.
EDIT: i am currently paying back the interest. i have about $82k in loans.
Hey y'all—in a pretty desperate financial situation that has continued to build over the last few years/very shortly after I signed my first car lease in 2023. It was already about to come to (what I thought was) a head in a few months...but then today I was in a car accident—THANKFULLY(!!!!) no one was injured, and only the back of my car was damaged/it is still driveable—but the damage is likely going to cost a fortune to fix, and considering I was already 3 months behind on lease payments. Reliable/safe transportation is an absolute requirement for the work I do, and even though I am up to date on car insurance payments, I can't afford for the premium to go up any further as I'm already living paycheck-to-paycheck and don't have the credit/ability to put anything on credit cards.
Hey everyone,
I need some advice. I currently owe $22k on my BOFA credit card which has a 0% APR until February. The overall credit limit is $23k. So very high utilization rate. I also have student loans but they’re super low APR (5% and 2.5%)and I don’t plan on paying them off early. My student loan balances are low. One is $8500 and the other is $5500. If I sell my stocks and crypto plus use my savings, I can pay them off and my credit card but I choose to keep the loans for now
I have about $13k in crypto that I don’t want to sell since I bought kind of high.
I also have about $13k in stocks that I don’t mind selling since I do believe a major crash is going to happen soon and I don’t mind paying capital gains since I made decent money. I also have $10k saved in cash which is my rainy day fund basically. I have a good job now but I’m planning on taking out a loan to start business. (I’m not asking for advice or feedback on taking out a loan to start the business, I’ll worry about that). Now I need advice. In order to get a better rate on the personal loan, my utilization rate on the BOFA has to be lower. My 0% transfer bonus on the BOFA expires in February and I have to be paid off or transferred to another card by then.
I have a good paying job now. I’m able to save $3500 a month
Here are my options unless you have other recommendations.
I have almost $22k in credit card debt, about $100k mortgage on a home that plumbing, A/C, roof, etc have all failed on, and monthly child support. I cashed out my Simple IRA to bring it down this far.
I make $25/hr and am regularly finding myself unable to make all my minimum payments, but in general I think it's usually just tight. This last month especially so because of the larger biannual and quarterly bills.
I think the cause of most of the original overspending is now gone, it is just a matter of getting out from under this debt. Is it even possible though? I have a bad feeling it isn't.
My mortgage, minimum card payments, and fixed bills are a little over $2,800/month, and my monthly take home is around $3,300 so $500 left per month after bills.
My home is an hour from town and my main 8-5 job is remote. I have been trying to find a second remote side work or something in town that can replace my main job for more but have not had much luck.
I have multiple collections and fell for a lot of pay now pay later apps and some delinquent credit cards
I’d say total debt 5-7k
My credit score is 490
How do I start? Is paying them off worth it? Been 3+ years since I’ve paid anything off
Hello! I wanted to see if anyone could provide any advice on a debt collection case in California. I was recently sued by Discover for an old debt that I had.
I didn't receive the initial summons properly but I did not put in a motion to quash because the lawyers had said it only delays it. The case already got a clerk judgement saying that I need to pay the amount. Would I still be able to reach out to the debtor and negotiate something? Even if they file to garnish my wages, they won't be able to because I don't make enough to be garnished (I was in another court case for getting my wages garnished and the courts determined that I do not make the minimum legal amount to get garnished).
Hey,
So I just ignored a call that I received from a debt collector, and upon opening the voicemail I see that it is her getting fucked with clear audio of a male saying "Do you like it like that?" and the female caller saying "Yes Please."
Is this illegal? Can I report it to anyone? Is there a governing body for situations like this? The debt collector is Portfolio Recovery Services.
I have an audio and video recording of the voicemail which I could upload, but I might not for obvious reasons.
Hello,
I have just finished 4 years as a traditional student (Criminal Justice). I have $200,000 of student loans from this, and its very burdensome, as well as $6,000+ in credit card debt (helping family and car) I'm starting a job that pays $76,000. As of now I'm living with parents and pay no rent, no car payments, really nothing. Interest is 15% APR on $200,000. I don't have any very strong financial advisors in my life, (You can tell by the debt) and I need help.
Thank you.
Income: ($3,600/month)
Current monthly bills:
Rent: $460 ($230/check)
Car: $515
Car insurance (to dad): $100
Cash loan: $90/month ($320 left)
Credit card minimum: $30
Paydays: 7/10, 7/24, 8/7, 8/21
I’m moving into a new apartment on August 22, and my share of rent will be about $600/month.
My situation
Right now I have:
$1,920 in cash advance loans
$1,000 credit card balance
Only $400 left in savings, which is going toward a toll violation before my next paycheck
I also need:
Contacts: ~$300
New tires by August: ~$600
At least $600 saved for the apartment
The biggest problem is my cash advances. I have to pay them off before the beginning of August because I’m going on a work trip, and my per diem gets deposited into the same account. That account is currently negative, so about $1,600 would immediately disappear if I don’t clear it first.
Current plan
7/10 check: Pay rent, car payment, and buy contacts. I’d have about $550 left to live on.
7/24 check: Put basically the entire paycheck toward paying off the cash advances before the work trip.
The problem is that after doing that, I won’t have enough money for rent or living expenses until my 8/7 paycheck. The only solution I can see is taking another small cash advance (~$500) just to get through those couple of weeks, then paying it off in August.
I’ve also considered a personal loan to consolidate everything, but with my credit I’m mostly seeing lenders like NetCredit or CreditFresh, which seem expensive.
My goal is to be debt-free (besides my car loan) as soon as possible while still covering:
Work trip in early August
Tires
Apartment move on August 22
Is there a smarter way to handle this, or am I stuck slowly working my way out with small cash advances? Any advice would be greatly appreciated.