You learned absolutely nothing

Being in debt isn’t her problem. Her problem is that she’s an addict. She’s addicted to shit, to materialism. Do without, damn. Most of the shit you buy doesn’t do anything but take up space.

How do you get credit/loans after filing bankruptcy?

I couldn’t imagine financing furniture. I’d sit on a plastic lawn chair until I saved enough for an ottoman, and then sit on that until I could afford a love seat… Do people pay 5% for 2 years on an end table?

The cars I can understand, you gotta drive to work. But 32k in credit cards is insane

Question, why would someone post this about themselves?

I bought a 2005 Honda Element for $5k cash 10 years ago. Best car ever. Zero payments

First off I’ve been in this boat so I can understand how bankruptcy is the only way. These people don’t have a money problem, they have a spending problem and I think they fell out of the stupid tree and hit every branch on the way down. Stop spending.

Bet you she has phones, subscriptions vacations purses shoes dining out ordering in and out, kids have 8 pairs of shoes, 75” TV and so on. All stuff that she could cut back on which would allow her to get out of debt. People act and spend like they are rich. Live within means !

Lady no offense but you and your husband are stupid. You should not use credit cards or loans. Loans for furniture? Get on cregslist. You can’t fix stupid I guess

$32 thousand in credit cards? 😳Holy ignorant slut Batman.

Upstart and Upgrade loans…oof. You might as well just burn your money for the interest on those loans. I’m not familiar with Avant, but I used to service those accounts for a national debt buyer for Upstart and Upgrade. Awful, awful financial products.

I would be in a panic at that debt. I drive a 2004 SUV that I bought 10 years ago for 6k, replaced my Iphone 6 with a used XS, and only eat out once a month when I take my mom to lunch. My only big purchase this year was a new bed. She needs to quit buying shit she doesn't need.

She could sell a course on how to game getting loans and get herself out of debt real quick.

Are you fucking serious?! How in the hell does someone accumulate that much more debt when they’ve already shown Themselves to be fiscally irresponsible?Who gave them access to that much credit!If that’s the case well then fuck! What’s the point inAny of us paying our bills? FFS!

How did they get more credit?

She reminds me of the old joke: "I can't be broke, I still have checks left!"

used to be you could only file for bankruptcy once every 7 yrs, and getting a cc was easy after you file because lenders knew you couldnt file again for 7yrs so you could get credit at high interest without issue an old guy I used to work with used to brag he would file bankruptcy every 7yrs regardless if he was hurting for money or not then spend 7 years acquiring huge cc debt, he would take out his max credit in cash advances so he could pay cash for shit that wouldnt get taken in bankruptcy, he said he had done this 4 times

As someone who went through bankruptcy back in 2010, our collective debt was around $30k at that time seemed impossible to repay. At that point in time I was laid off and wasn’t even getting by on unemployment. After going through that process I vowed to never to it again.

That’s the whitest Somalian I’ve ever seen ! 🤣

Sell your cars. Get two bucket of bolts under 5K. You will probably get your debt to 82k. Sell everything not essential. Start with basic rent price... Say 2K month? Let's say you're at the high end at 21% interest. Starting with the smallest loan: 2k a month you should pay off all your debts in 6 Years. Strategic balance transfers are friend. Don't close old accounts. Once you've paid 82k, you can negotiate with your credit card, because you should have around 60k in interest left. (Yeah) Every 6 months ask for a credit limit increase. Watch your credit score soar to the moon🚀 Finally upgrade your car, and smile when they give you that 50k car at 5% interest.

Unfortunately, this is common. 🫤

Why would a broke person be buying new furniture?

So for damn near $100,000 not including mortgage and bills, they own NOTHING

Posts like these make me super proud of myself. My debt is paid.

didn't anyone in her life mention that she is living above her means? gee, I don't know... maybe someone should

Filed bankruptcy 6 years ago, yet she has credit cards. 🥱

Living beyond your means Say You! I’m 69, still work. On my feet all day. I have a used car. Saved for it. Paid cash. I saved two years to buy my couch. I wait. Yes, I struggle. When my time on earth is over, my children won’t inherit my debt. Shame on you

@sircalebhammer might have your next episode here.

I dont get it, we have a mortgage, own 2 cars (own one outright), keep a business and can stay out of debt. Live within your means.

So you didn’t learn a fucking thing g?

No, she learned something. She learned she can absolutely frivolous, profligate, and impulsive with her spending, and once she spends enough, takes out loans to cover some of the debt and then nuke it back up, she can use the law to bail her out and then do it all over again. Ridiculous. Who foots the bill for debt erased through bankruptcy?

Wow just wow 🤦‍♀️my granddaughter is 17 years old and has more sense then these two idjits

They are either financially illiterate or willfully using bankruptcy to finance their life style.