Really not much more to it than that. I rapidly maxed out the cards since october. I stopped paying the loan 30k in august. No large purchases other than a camera back in october because i was trying to find a hobby to maybe make things better…. after that is when I started truly not caring and things went fast. In february i did get a new bed and essentials. Those were the only big charges.
It is mostly things like door dash, some cosmetics, clothes, steam games. Normal stuff. Just excessively because I gave up on life and planned to commit suicide. I wasn’t even thinking far enough ahead to even consider bankruptcy or fraud.
Am I trapped after all of this? I can no longer afford to pay the card with the highest limit. I missed my first payment last week. Personal loan in collections on a payment plan that is like $200 a months from the original $800.
I have like 33k personal loan and another like 30k between 4 cards. all maxed or almost
Only make 40k a year and the threshold for a chapter 7 in my state is like 60k i think. I have no assets. Don’t have much of anything worth value. I need a car and can’t afford one and need to move.
Will attorneys turn me away? Is this something that will be a huge problem? Should I wait any amount of time?
submitted by /u/Forward_Push_4583
[link] [comments]