Hi guys. I am trying to figure out how to survive after losing all my money to a scammer. Then I lost my car from an accident and need to get one asap to get to work because there is no public transportation available. I don’t even know what kind of car to look for.
Used Car estimate : 10k
Current savings: 10k
Paycheck: 5k/mo (net income)
Rent: 2k
Credit card debt: 10k
I own 10 credit cards for churning and cashed out all my points this week
I borrowed a 150k loan this month thinking I can get my money back but I was so wrong. Now I am facing:
25k credit loan /12 months from Chase apy 7.5%
25k loan for 36 months from Amex apy 7%
20k loan for 60 months from Wells Fargo apy 12%
30k loan for 130 months from Best Eggs apy 13%
50k loan from 401k
The monthly loan payment is too high, about 4k+, and a 401k loan takes payment right off from my paycheck, making net income 5k per month. One of my credit cards is offering 0% apy for a bit, and I am considering paying my rent and essentials until I figure out my priorities.
I thought about filing bankruptcy and got a free consultation. Due to my monthly gross income being too high, I am only eligible for Ch.13, where I have to pay about 2.5k+ for 5 years. That still doesn’t leave me much after rent, which I can not break until this winter. No tenant protection in my state, no roommate or sublet is allowed. I am also hesitant to file bankruptcy because it will leave a permanent record on my credit history, and I don’t know how much restrictions it will have on my future.
If I were to pay the loans by myself, which one should I take care of first? I tried to negotiate with banks, but none of them are willing to change the term. Chase has the highest monthly payment, and 2 other banks have the highest interest.
I have no one to borrow money from, and I don’t know what to do first with my last 10k cash.
Tldr: Need a car, but I only have 10k and own a 150k loan. I have 5k monthly income and rent is 2k until winter. Considering ch 13 bankruptcy but scared to do so. Is it worth it, or should i find another way to pay 150k my own. If so, what should I prioritize? Either way, I do not have enough money to cover the essentials to survive. What should I do.
Any insights or advice be greatly appreciated. Please no harsh words and criticism because I am already dealing with lots of stress and anxiety. Thank you.
How the hell did you borrow $100k in unsecured loans on $60k income?
Also, what do you mean you borrowed $150k to get your money back? How much did you lose?
> I am also hesitant to file bankruptcy because it will leave a permanent record on my credit history, and I don’t know how much restrictions it will have on my future.
It’s not permanent, 7 (Chapter 13) or 10 (Chapter 7) years, and the restrictions are laughable in the medium to long term. Short term will suck but I’d say that’s guaranteed for you with or without bankruptcy.
Frankly the numbers that you’ve laid out are probably not survivable without a bankruptcy.
You should talk to more than one attorney. Income above the threshold is not an automatic disqualification from a Chapter 7.
Even if you do have to do a 13, the plan shouldn’t leave you unable to make rent or pay for groceries, if it is there’s something wrong. My guess would be you got a lazy lawyer who doesn’t want to do the work to put together a good plan.
Also, realize Chapter 13 is a snapshot in time, if you got a pay raise tomorrow the plan payments wouldn’t increase, so if an income increase is in the cards you may want to just bite the bullet and file.
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You can always default on the loan. That would have a lot of negative repercussions, but if you are looking for ways not to pay that loan, that’s one of them. You’d expect they will sue you for the money and try to collect by taking any assets and garnishing your income.
Get the cheapest car you can find.
Get a second job.
Pay off your debt, starting with the highest interest rate while paying the minimum on all others.
You could look at getting an electric bike for transportation if your work is relatively close. You can get quite nice ones for relatively cheap compared to a vehicle. And then you don’t have the cost of registration, maintenance, gas, insurance, etc. You will need to be flexible in packing clothes for bad weather, but it could be a good cost saving measure for the moment.
Have you asked your landlord to let you out of your lease? They might not be required to do so, but they might do it anyway, especially if you can find a replacement tenant who will pay at least as much as you.
Have you documented the scam and reported it? Might or might not help with bankruptcy?
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