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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.
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