$58,615. That's how far in debt I am, only $9k of that is my car loan. Some of the balance is student loans, which I keep deferring. The rest is all in collections. Bad enough collections that my wages are currently being garnished (25% of my paycheck). I make about $2000 a month.
Breakout of expenses: $750 monthly rent, $330 monthly car payment. $125 cell phone bill. $50 electric bill. $40 Internet.
$232 loan (personal from a friend so it doesn't reflect on my credit score)
I can't even afford car insurance.
Right now, after the above (rent is paid with the first paycheck, other bills are the second paycheck to even it out)
I'm living on about $460 a month.
I also owe the IRS $1800. Which will also be garnished from my already measly leftovers.
I don't need to be told how stupid I am. Trust me, I already know. I'm so stressed my blood pressure is through the roof, I'm not sleeping and my hair is falling out.
I divorced 5 years ago, fleeing a bad marriage with nothing but two truck beds of stuff. I've run up massive loads of debt getting myself situated and going through two moves to different states for my job.
My credit score is 531. There's no way to get a consolidation loan, and I have no collateral for one.
I've thought about moving to a cheaper apartment, but I can't even save up for first and last rent and deposit...it's also insanely hard to find one that would accept my pets (3 cats).
I need help. I have no idea what to do. I can't even come up with enough money to pay to file for bankruptcy...
Please, any advice (besides "dude, you're screwed" ) would me immensely appreciated!!!
Submitted July 01, 2017 at 01:38AM by TaraDactyl1978 http://ift.tt/2t1uXcR
