So I’ll be 69 next month. I was let go from my last full time permanent job in May of ’23. I’ve had countless interviews and landed 3 actual jobs that didn’t last more than 3 months. I’ve blown through what little savings I had and racked up $65K in credit card debt. I’m old, obese and have pretty bad arthritis in both knees that causes a noticeable limp.
I got my first full time job 51 years ago and I’m just done. I cannot take any more rejection or failure. I did find an apartment that I can afford on my SS. Right now I have a bed. I’ll furnish the rest off of Facebook Marketplace as I can. I want to focus on my health, physical and mental, for the foreseeable future. I already have a history of depression, and this has all just made life a lot more challenging.
My car is worth around $15K and I planned on selling it and buying something cheaper since I don’t drive much anymore. If I put the balance in my IRA account (which is down to $6.30 right now) will they go after that if I go through bankruptcy. I mean, I might net $8K if I’m lucky.
I’ve already stopped using all my credit cards. They’re all maxed out anyway. I used to have a 750 credit score. Now it’s 550. I plan on filing for bankruptcy myself. My financial records really aren’t that complicated. I’m just an old, single spinster. Any advice?
submitted by /u/NotDeadYet57
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