Life...and money... - and lack thereof

[PollyannaFlower46]

There's always bankruptcy. All debts cleared. In 7 years it's off your record. It's funny, but if you do declare bankruptcy, credit companies send you another card right away. They know you can't declare it again for 7 years, so you have to pay your bills now. It might be your answer. No shame to it anymore.

Actually, that's 100% untrue. I got myself into a lot of credit card trouble when I first started college, but I was working full time and making the at the very least the minimum payments on all my cards. I somehow got platinum cards, two which had $7500 credit limits on them. Needless to say, I got myself into a lot of trouble...but I was paying my bills, so I didn't think anything of it...until I lost my job. The bills started piling up, and I had gone through my savings, and as time went by, the "I lost my job" excuse didn't go over well with the credit card companies. Obviously, my parents weren't going to bail me out, and I couldn't afford to do the debt consolidation because I literally had zero money....I filed bankrupcy, and it's caused me problems ever since. I can't get a credit card, I can't get a student loan withouth TWO people co-signing, and I will probably not be able to get my own place without someone signing the lease, the same goes for a car... If that wasn't bad enough, I have to discolse my bad credit history when I apply for jobs in my field because of the type of work I want to do, so now anyone I work for will know just how foolish I was.