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I've had a rough year.  Had a total hip replacement, lost my best friend, and due to downsizing lost half my income which now has become really rough since I owe $35k in debt.  I tried and applied for so many loans that now my credit is ruined.  I've been paying my debt on time but pretty soon I'm not going to be able to.  It's all credit cards.  I tried asking family and friends for loans, no one answers, I am ignored.  I have no idea what else to do or how to pay this stuff off.  I have such a weight on my shoulders that every single day just about I have migraines due to it.  I have a website from gofundme to try to raise the money and even asked for a loan and i get no response from no one.  Doesn't anyone care at all?   I mean I am always the one who rescues people and pets, I'm the one who donates for causes, those that need help I am always the first one to hand out money.  Then when I need the help, everyone leaves.  it's very upsetting and I feel alone.  I have no idea what to do
Country: United States

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1 Answer

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Profile Photo by goodwill ANGEL24K (33.8k points)   5 12 59
You are not alone. I think many of us are in debt. Take a deep breath it is only money. My best suggestion to you is to file bankruptcy. You do not have to hire a lawyer. Legal aid and can help and there are many other non-profit organizations that help with debt relief. Your credit is already ruined. Even if you pay off the debt it is not going to restore your credit. Your "bad history" will still be there. Save yourself the headache of coming up with such an exorbitant amount of money. File for bankruptcy and start anew. It makes no sense to pay off debt with debt. Borrowing more money will only put you more in the hole. Your own spending is going to have to downsize as well, at least until you find new employment.

If you do not want to file bankruptcy, then my other suggestion is to contact each individual credit card and tell them you are on the verge of filing bankruptcy, and you are making a good faith effort to discharge the debt, and ask what they will accept to consider the debt paid in full. But note that you have to report this on your taxes.

People do care. Many are just in the same boat as you. Don't despair. Good luck

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