I went from an 825 score to bankruptcy in basically 3 years for (what I thought was) saving my life. I am considering bankruptcy as I’ve been paying off the debts but my job contract is about to be up and I won’t be able to keep up with CC payments (from 40k medical debt I put on CCs like a dummy. I thought I had something rare, doctors convinced me I needed this treatment and insurance wouldn’t cover it), while on unemployment. Also bought a 10k engagement ring on credit, not smart, I get it!
I own my car, a 2004 Lexus GX, my partner owns the home, and I realistically don’t have assets worth them going after, maybe my computer lol. My car is old but it’s modified. On paper it’s maybe worth 6-8k if I were selling one private and unmodified but with modifications who knows!? Has anyone else run into anything like this?
submitted by /u/Ok-Perspective-2960
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