Lee said:
@Nori
Could you look for a higher-paying job or one closer to home?
I’m a teacher, so there aren’t many options that pay more.
Teachers really deserve better pay. It’s tough to balance a second job with teaching full-time.
You might be able to rent a room for less than $1,000. Do you live in an expensive area?
Talk to a bankruptcy lawyer to understand your options. It cost me about $1,800 total, including the lawyer fee. Bankruptcy doesn’t solve everything, but it can give you a chance to start over.
Finch said:
Talk to a bankruptcy lawyer to understand your options. It cost me about $1,800 total, including the lawyer fee. Bankruptcy doesn’t solve everything, but it can give you a chance to start over.
Did you file for Chapter 7 or something else?
Bankruptcy might be the way to go if it helps you reset and get out of this mess. You can rebuild your credit later.
Van said:
Bankruptcy might be the way to go if it helps you reset and get out of this mess. You can rebuild your credit later.
I’m not scared of filing, just want to make sure it’s the right decision.
@Nori
Then look into a consumer proposal or bankruptcy with a lawyer.
Van said:
Bankruptcy might be the way to go if it helps you reset and get out of this mess. You can rebuild your credit later.
Bankruptcy isn’t an easy fix—it affects your life for almost a decade.
How did you rack up $28,000 in credit card debt? That’s wild.
Vail said:
How did you rack up $28,000 in credit card debt? That’s wild.
I had a medical emergency last year and had to use my credit cards for a lot of expenses. Some of it is my fault for overspending too.