I messed up. A lot. I already know, I just don’t know where to start fixing it and I’m just a little scared.
Right now, I have about $700 in bills a month. I make about $25k a year. I’m 24 years old, and unfortunately, a disabled veteran.
I’m about $10k in credit card debt, last time I heard in November of 2018. I had a horrible, awful stint of depression. I didn’t leave the house for 5 months straight. There was a two month hospitalization, and I used my credit card to pay for a lot of things I wish that I didn’t.
In August, my automatic payments stopped going through for whatever reason. I didn’t find out until November. They called me, they said they’d give me two months to make a payment. I’m an idiot. I didn’t make that payment. I haven’t touched my debt since November.
I could give a lot of reasons why I haven’t, but the fact is I’m just a dumb idiot.
The bank calls me daily, and due to feeling incredibly overwhelmed and a stupid fear of phones, I haven’t answered. I don’t know what to do. I wish I could go to the bank itself, but the nearest one is 200 miles away. It’s a military-related bank.
I don’t know what to do. I don’t know where to start. I’m currently living with my parents, but I have about 8 months until I HAVE to get my own place and I don’t have the credit for it. I don’t know how I can fix my credit in less than a year. I don’t really know anything at all about anything, honestly.
I need help. I’m so overwhelmed. I don’t know where to start into fixing my major fuck up.
Submitted May 17, 2019 at 12:05AM by turniptam http://bit.ly/2Edwguk
