04-26-2002, 02:55 PM
Thanks everyone! I really appreciate your advice, see here's substance on the site! {
} I think I'll try the consolidating route just to get the payments down..but will that ruin my credit or put anything bad on my credit report? And I didn't realize you can keep a card out of the program, like Sluggo said, because I do like to have 1 card just for emergenices (although that's what got me into this trouble in the first place so maybe I should rethink that) I think I have about $8 or 9,000 in credit card debt, the rest is student loans and my computer. And probably a really high debt to income ratio.
But no way in fucking hell would I ever declare bankrupcy. My parent did that, I think, 3 times, maybe 4...they're shady mother-fuckers when it comes to money, using different social security #'s, spellings of last names, etc. to take more and more loans, credit cards that they couldn't afford to pay back (needless to say, I've seen lots of repos in my life, damn does that repo man suck when he comes to your house at 3 in the morning!)...Bad situations in that house...and there's no way I want to end up like them. That's probably why I'm so scared and pissed at myself. I want to be able to put down roots and buy a house in the next 5 years...
Thanks for everything guys :loveya:
<font color=white>
Edited By Spitfire on April 26 2002 at 11:16
} I think I'll try the consolidating route just to get the payments down..but will that ruin my credit or put anything bad on my credit report? And I didn't realize you can keep a card out of the program, like Sluggo said, because I do like to have 1 card just for emergenices (although that's what got me into this trouble in the first place so maybe I should rethink that) I think I have about $8 or 9,000 in credit card debt, the rest is student loans and my computer. And probably a really high debt to income ratio.But no way in fucking hell would I ever declare bankrupcy. My parent did that, I think, 3 times, maybe 4...they're shady mother-fuckers when it comes to money, using different social security #'s, spellings of last names, etc. to take more and more loans, credit cards that they couldn't afford to pay back (needless to say, I've seen lots of repos in my life, damn does that repo man suck when he comes to your house at 3 in the morning!)...Bad situations in that house...and there's no way I want to end up like them. That's probably why I'm so scared and pissed at myself. I want to be able to put down roots and buy a house in the next 5 years...
Thanks for everything guys :loveya:
<font color=white>
Edited By Spitfire on April 26 2002 at 11:16
<center>In the 60's people took acid to make the world weird. Now the world is weird and people take Prozac to make it normal.</center>