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Pelafina posted:I'm very close to drowning in an immediate sense. Google can only help so much. Glad to see you made your own thread. First things first- you can't attack the enemy until you know who/what it is. Pull your credit report (should be free from annualcreditreport.com once per year, or at the very least you should be able to use the website Credit Karma to set up a free account and get a pretty good idea of what's out there.) Then you can update your numbers in the post above with more exact info as far as creditors/amount owed/payments due/etc. Was the power bill in both you and your roommate's name or just yours? If it's just yours, is it possible to contact the roommates' parents regarding the $300 accrued there for assistance with that in the same fashion as the rent portion? The cats are a liability, not an asset. They bring in $0 in income and cost you $60 in food and litter every month. Would you have the willingness to rehome them? I ask because $60 a month would go a long way towards your own food, gas, etc right now. Once you get the other info, it's going to be more clear where exactly you need to proceed here. Oh, also, please repost the details about the car you bought. I seem to recall the car wasn't that outrageous from the other thread but it's good to have the info here too.
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Jun 29, 2015 19:07
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| # ¿ May 21, 2024 23:12 |
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Well, the good news is that your initial guesses on the medical and college bills were both on the high side. The bad news is that short of a miracle something is going to have to slide. For starters, when you lost the bartending job did you apply for unemployment? Depending on what exactly you were terminated for (I mean on the company's end if it's a bigger place- you already posted why), there's an outside shot you could still get unemployment for it. Even if they have every right to deny the claim- the company still has to do the paperwork and in the proper timeframe or you'll likely get the benefits. In your situation that would mean everything right now. Worth a shot if you haven't done it. I'm assuming that you're currently not paying anything on any of the debts listed in that section of the OP. Other than the car, which should have been listed in there and wasn't.  Are any of these items currently in collections or being taken action on?I'm not going to argue with your decision on the cats because lord knows I'd sooner starve than let my dog go without anything that she needs. That being said- I have one dog and you have four cats, which not only multiplies potential costs but makes it that much harder for you to find living arrangements. Once things are sorted out financially for you, make it a priority to set aside money for both a general "oh poo poo" fund for them as well as a separate fund for annual vet visits. One bad vet bill could easily equal everything you currently owe. You have bartending experience but mentioned in the other thread that you're looking for a part-time job for mornings in order to leave time for the insurance gig. You're not going to find a worthwhile morning bartending job unless you have a ton of third shift workers at your local watering hole. Bartend at night, do the insurance thing during the day if you're set on that. Short of jobs like "exotic dancer" or the like, it's going to be exceedingly difficult if not impossible for you to make $2700 in a week starting from scratch with no job so you need to decide quickly who gets shorted first and what the repercussions of this are/who is most willing to give you more time. Are you able to move back in with parents? Do they know the whole situation or just bits and pieces of what you've told us? I know you mentioned they had to co-sign for the apartment but breaking a lease and moving back in with them probably saves them more money than having to continually float your rent.
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Jun 29, 2015 21:49
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n8r posted:Tomorrow, do not go to your non-paying insurance scam job. Spend all day applying for any minimum wage-ish job you can find. If you can pull in 40hr of $10/hr work you'll be ok. Lean on your parents for a little more assistance and get your buddy to float you on the car for another month. The $300 car payment is biweekly though. 
Referee fucked around with this message at 06:35 on Jun 30, 2015 |
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Jun 30, 2015 06:32
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Tom Steele posted:http://richmond.craigslist.org/lab/5103594263.html It's not. Pelafina posted:
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Jul 2, 2015 21:07
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something clever posted:Don't you have to have a job and show proof of steady employment/income to get a payday loan? I don't know for sure, never taken one, but I thought that was how it worked. Generally, yes- which is why I haven't been concerned about her getting a payday loan because she's not going to qualify for one.
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Jul 2, 2015 23:40
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