How would it be theft without pre-meditation? How would you even prove that?

Wow... :spock: ... that was your stance? Did you prance on your way out with your sunflower seeds saying, "Dignity, oh dignity... where art thou?"

Well, he realizes the error of his ways now so I wouldn't browbeat him over it, but continuing to borrow money you have no hope to ever repay is theft, in my opinion.

But the bankruptcy laws are not a "get out of jail free" card anymore. He will pay for it one way or another.

lord tybolt wasn't in that scene

I agree. Try it. Can't hurt, and while you work hard, it isn't a bad life.

You'll have the best luck with Marines or Army. This is only because they have a more difficult time recruiting for obvious reasons. Especially during wartime!

They also have a lot more job options, and there may be some that don't require any type of security clearance. Those kind of jobs are rare though. They won't be any of the "good" jobs either.

By all means, call the recruiter today. They are masters at getting waivers passed and cutting red tape. I just thought I'd let you know that the military frowns on bad credit as much or more than any employer/renter/business/bank.

Demonpenz, bringing his A+++++ game like he's playing KU or something. LMAO

I am actually being facetious. I think that personal responsibility should rule for sure, but at the same time, I am no fan of the banks either in anyway whatsoever.

Well, I wouldn't know...

well played sir, well played. :clap:

you could find some people with cracked siding and give a reasonable estimate for it, then fill in the cracks with white out.

GoChiefs was on track to being a male model until the Planet shot down that dream... you should reach out for pointers.

hang out in a price chopper parking lot and let any person with a honda accord hit you, then claim soft tissue damage

70k in student loans and 10k in personal debt. The 10k is the only thing you can file banko on, as most student loans are backed and guaranteed by the guberment.

10k isn't enough to file bankruptcy. The fact that you're living with your parents, and have more disposable income means you have the ability to get this paid off in a year or two. It's going to be hard, and it's going to suck. Especially paying high interest rates on credit cards to pay for shit you don't even have anymore.

But I promise you, it won't be nearly as hard as having that bankruptcy on your credit bureau for the next 7 years. I will be the very first person to tell you to file bankruptcy if it's warranted, and there are a couple members of this board that could tell you that.

That being said, don't do it. Not unless the great majority of your student loans were not borrowed with a FAFSA application and your parents personally backed them. Then, you can only do it if they'll file banko too.

We'll talk some more about this privately if you want, but I'm telling you right now, bankruptcy is just not a good decision in this case.

Here's my general bankruptcy advice for people. If you owe more money in unsecured debt than you make in a year, file. If you don't, you're only prolonging the inevitable.

IIRC, mcan says he's got a way with the ladies so maybe he could make a go for it as a gigolo. He could put his acting education to use with some older, less attractive rich ladies. :shrug:

and hilarity ensues... Don't mind the jokes. Just kinda worried about my real life situation. Appreciate the advice.


Anyway, I really don't have any problems working my ass off. My problem before was that I didn't manage my credit responsibly and it just started piling higher and higher and interest and penalties became unsurmountable. I was in college and trying to pay minimum payments with a cash paying job. But I didn't make enough money to cover everything. So I had to take out more for in student loans to make up the difference. It got to the point where I couldn't pay the minimums and still eat and pay rent so I missed payments which caused fees that made my account go overlimit that caused more fees. Then I was on payment plans where they automatically took money out of my account. But what they took out was mostly just interest and would overdraft my bank account every so often causing 100s of dollars in overdraft fees, and/or penalties with the cards that made the debt actually INCREASE even though I wasn't using them. Then my income got slashed because I told the owner of the store I was working that I was going to move during the summer and I ended up with fewer and fewer students every week, putting me further behind. I sold all my stuff just to make my last two months rent and move. After awhile I did just say "**** it" and stopped paying everything. Now it's time to pay the piper. And I'd really like to do the best thing possible.

sounds like you did what you could, not really much you can do when you are going to college, you still need rent and food money

I appreciate the advice man. :) You're good people.

ll

I'm stacked today. But at some point let's get together privately and go over where you're at, and some of the things you can do to gain any bit of leverage you can back to your side. I can't promise to prevent a wage garnishment at this stage, it sounds like that train has left the station but we can get you on track to get stuff paid back on your own terms, as long as you're serious about it.

10k isn't enough to go through 7 years of bad credit. I know 10k may seem like a million dollars right now but I promise it isn't. The problem is, once you get sued you're on the hook for legal fees and attorney costs. That right there will add a grand on top of your debt. Let's talk about this in a less public place and figure out a solution for you.

www.thenegotiationstation.com

That's what I do. That's not what I'm proposing for you because I think it's too late for all of that. But I will give you some free advice that will put you back on track and make all of this a lot more manageable.

LMAO Penz is ****in cracking me up in this thread.

Hard decision to make; but I’ve seen Mr. Flopnuts provide some good advice in previous threads; including a ‘bankruptcy’ thread of my own.
Everyone’s situation is different, but I think it’s important to avoid it if at all possible. We contemplated it as we were staring down a foreclosure etc…

But we’ve done everything we can do, and we’re moving/being foreclosed upon (house goes up for auction Thursday). Worked our butts off for a year trying to stay/pay everyone etc. So we’re moving to an apartment for quite a bit less than what we were normally paying; we’re paying off debt with cash we have stashed; and the increased cash-flow will be applied towards the unsecured payoff. It’s a huge change for us, but it’s what we decided to do rather than file BR.

Good luck man; it’s a tough call. But I’ve found there are a lot of knowledgeable folks here on CP that can provide candid advice outside the forums if need be.

Coincidentally, I just read an article this morning about a guy who bought kidneys, and in what can only be seen as a message from a higher power, the price he paid was exactly the price that mcan needs to get out from under his CC debt: $10,000.

What would really pull mcan out of the hole though is if he can cut out the middle man and sell his kidney directly to the guy who needs the transplant. He could sell it at a discount, say $100,000, pay off his debts, and still have $20k to restart his life. Win-win.

We were piling up debt, not making much headway on old school loans, college tuition for the son looming, no retirement funds to speak of etc.etc. I was as high paid as anyone in the city for what I did, I needed a job in a better paying field.

I worked during the day, went to school at night, got home around 10:00 pm, studied until 2:00 am, got back up at 6:00 am and started it all over again. Did that for 2 years. That was some hard chit to pull off. You got to want it. We got ourselfs in a little deeper debt to do it also. But now I'm making twice what I was making then and potential for a lot more.

People have to take responsibility for their own station in life and try to change it for themselfs, not sit around and mope about your situation and expect the government to rescue you from your station in life.

Just out of curiosity, are your parents ready to kick your ass for all this yet?

any money and rent

i don't want the government to rescue me i just want them to make good on their promise to me. I seem to remember a dancing penguin on ice telling me to "be cool, stay in school" now all the sudden they don't want to hit back with my money

?

Time for the montly bankruptcy thread huh? Man it's a jungle out there right now.

it sounds like you were blessed alittle more than me and mcan. I remember when I went away to college it was very very expensive, I was taking 9 hours of classes up to my eyeballs in homework. My math class didn't even count for credit. math 000. there was no way I could survive I worked at a local bar 8 hours a week, but that didn't pay the bills AT ALL

Semster 6 i finally graduated from college with my theature degree. I thought me playing lord tybolt would springboard my career. The schools newspaper called my preformance "adiquate" I thought I was going to be making good money, but the community I was in didn't pay much or anything for our preformance of dial m for murder

Thanks for the advice Flop. Just called these guys and got set up on payments to avoid going to court. Looks like I'm taking the "plug away at it for years" route. This sucks. But, I made my bed.

Yeah my wife was working as a teacher and I was working as a Respiratory Therapist. So we were able to keep paying the mortgage without an issue. There were no student loans or financial aid. It was all paid for by us, out of pocket.

I was taking I.T. courses so I could take them at the local junior college, so that made it cheaper. I got all kinds of free software and hunted down deals on hardware for the late night "studying". We researched our options and came up with a plan and stuck to it. Now it was awful lucky that at the same time I'm doing this change in my life I discover a knack for computers and this new internet thingy is taking off with lots of new jobs being created.

That's the smart move.

no your boy gets sweet uni's here in st joe we had mesh hats and t shirt jerseys that rubbed my nips raw

Pussy

no worries glad to help

Steal from some hardworking people that have made sacrifices so that they aren't in the same situation as you. It's the thing to do these days. Ask the govt.

Seriously... keep them updated and your life will be easier.

So, the student loans people are coming after you?

Wow. Who did you call that was able to set up a plan for you so quickly?

Very good start. Avoiding court is the key. From here, it may seem like years but if you dedicate yourself to it, and do it while you're living with your folks, it won't be long at all. If you ever need some advice hit me up. I'm happy to help if I can.

Don't sweat these guys either. It takes balls to come online and be yourself. Most of these guys here are playing by their internet persona and it takes a moment of weakness to find out who they really are.

Penz has dished most of it out, and he's not a hateful guy. He just likes to make people laugh.

I attended a fundraiser last year that raised $38K in one night for the high school football team.

yes coming online and be yourself is the hard part. Paying the money off is easy

it's all good in the hood. I am jealous at the baseball and football uni's kids get today

Although I imagine things have changed since I enlisted back in 84, the Army did offer a "college loan forgiveness program". Cost you a couple more years on the initial enlistment, but if you qualified for the right MOS's, they'd pay off your college loan over X number of years AND you got it deferred for X number of years because you were in the service.

It was win/win as far as I was concerned and I only had 7500 in college loans for my last three years of school.

It sounds like it took a few years to create this situation.

I actually don't think you have an internet persona. I think you're yourself every day in every way. I like you, so you must be a douchebag. :)

It's embrassing to spend all that money on football, but its privately funded so its not tax payer money.

My little league baseball teams would spend over $180 per player every year just on uniforms.

Every parent laid out this money....
Jersey = $80
Pants = $25
T-shirt = $10
socks = $5
Cleats = $50
Cap = $18

that isn't counting the tpx bats or mizzouno gloves. I guess that is why I played so much basketball. Basketball 5 dollars, with large pizza from dominoes (Dream team ball of course)

Yep, some of them had $300 bats. And not to mention tournament expenses and if you travel....

We would go through an average of $7K in a season for equipment and uniforms only to be used that season for 11 players. No wonder inner city baseball is dying, you can play basketball a lot cheaper.

not to make it a race thang, but that's why there aren't more torii hunters out there

It's not a race thing but a gap between the middle class and the poor. The middle class have money for those $300 bats and $180 uniforms, the poor don't. Now you don't need a $300 bat and can play in a uniform that costs $40.00 or so, and get you a bat and cleats from wal-mart but, you won't be able to compete with the better equipped teams. You will be regulated to "rec" ball and not the higher level of competitive baseball. The poor kids can play competitive basketball reasonably cheap. It's economics, not race.

Mcan, Are your parents wealthy enough you can steal from them without them noticing. And if they do notice you can always just tell them you have a meth/heroin addiction and can't help yourself.

Utopia has been an awesome place to live, eh...

You'll be glad in the long run. $10k is far from insurmountable debt. It'll be what you eventually spend on a deck on the house you own because your credit is repaired well enough to own a home in 5-10yrs.

A million times, this.

In addition to the military you may want to consider the following:
* go back to school and get a degree that translates more directly into a job (as an added bonus, your students loans would probably be deferred while in school)
* find a job that includes room and board (fishing industry in Alaska, waiter on a cruise ship, etc.)

I only made it through 2 pages, but Penz cracked my shit up in this thread. Sorry about your bad fortunes mcan, good luck.