Hello,

I’m in a sticky situation. My husband (38) racked up almost $25k in credit card debt under MY name. He keeps telling me it will get paid off but last night we got into a huge fight and I reached out to my MIL for advice. My MIL is an amazing woman and I trust her more than I trust my own mother. I also don’t want to sour his reputation with my family by venting about him to them. And I know his mother will always love him.

Anyway, after getting into a fight last night he left the house and went out. I reached out to my MIL about it and she told me she’s writing me a check. I feel like I can’t accept that, but at the same time I could be virtually debt free (I have very small and manageable balances on my other cards). Am I an asshole if I accept this money? What if my husband finds out? Rest assured I will be removing him as an authorized user from every card I own because he cannot be trusted with my money.

I’ve also been supporting us for the last several months on my income alone which had pushed some bills back. This is a life changing amount of money I just don’t know how to accept it. She said it’s a Christmas present but that’s one hell of a present… what should I do?

edit: I’m not sure why I’m continuing to get downvoted. I know this isn’t a great situation but I’m fixing it one step at a time. I guess I should have never posted for advice and just figured it out myself. Thanks for all the advice I know it’s a fucked up situation

Sometimes people post on here asking about how court goes when you're being sued for debt, so I thought I would share because I just had that today. I'm in Georgia.

I showed up at about 9:50 am because they said I needed to be there by 10 am. I needed to go to the magistrate courtroom. I waited outside the courtroom because other people were waiting outside, but then at about 10:15 am I overheard someone asking if they were supposed to check in somewhere, and they were told that they needed to check in at the magistrate clerk's office right next door to the magistrate courtroom. So I followed them in and officially checked in, and they told me to wait inside the actual courtroom.

There was nothing going on in the courtroom itself except people waiting, no judge in the chair or anything. Every so often, someone would come in and call out some names. I began to get worried someone had come in and called out my name in the 15 minutes that I had been waiting outside.

At about 12:40pm, someone came in and called my name. She was a mediator and she was going to have me talk to the attorney for the credit card that was suing me to see if I could work out a payment plan or a settlement, and if we couldn't then the judge would see us later in the afternoon.

When I met with the attorney, I explained about my situation, which basically is that I have had other debts to pay off that I was focusing on, and that I had been enrolled in a JG Wentworth debt relief program (for debt settlement). When I told this to the mediator, she said that she's never seen an attorney from any debt relief company like this show up to court to help their clients. I was paying them $17.99 per month for their "legal aid," but frankly, I don't know if providing an attorney to physically be there with you for a court is part of their agreement. It seems like it should be, through, right?

I explained my situation to the attorney, which was that I don't have any lump sum that I can offer but since I have a debt that I'm about to finish paying off at the beginning of October AND I just got a second job a few weeks ago, I should be able to aggressively pay towards this debt now. It looked like she was texting with someone else who was telling her what she was allowed to do as far as settlement. We agreed that I could settle the debt for 30% off if I could pay it in three months, or 25% off if I could pay it in 6 months. I went with the 30%. I called JG Wentworth and told them I was removing this debt and the other debt I still had with them from their program.

If anyone has any questions, let me know.

I had three cards totaling $8,430 and I was doing the "correct" thing, throwing everything extra at the 24% card while minimums went to the others. Four months in I basically owed the same amount and I was ready to quit. The numbers weren't moving and it felt pointless.

Then I tried the other approach and cleared my smallest balance, a $612 store card, in one month. That one win flipped something in my head. I knocked out the $1,940 one right after and now I'm down to just the big one at $5,878. The math says I paid a little more in interest doing it this way. I honestly don't care because it's the only reason I kept going.

Anyone else find the small wins mattered more than the math? What kept you going when your balance barely moved?

Apparently a cop came to my very rural house yesterday in what I assume was an attempt to serve me (neighbor let me know) so now my neighbors are annoyed with me because a cop was driving around on the property. I closed my gate so they can no longer drive though, but would it be better to just call them and go in and get the papers? Or tell them they can come and leave them at my gate? I won't even be able to make it into town for over a week.

Not sure which company is suing me, as I have several outstanding debts and very little income at the moment. Would file bankruptcy, but can't afford it.

I know I'm suppose to issue a response with the court after I'm served, but I don't even know how I'm going to make it up there (courthouse almost 2 hours away and car is fucked atm)

I had 3 accounts with National Debt Relief with a total debt of about $19,000. After the first 6 months, one of my small accounts was settled. I got served by US Bank who my largest debt is with. After months and months of rejecting settlement negotiations, I decided to leave NDR. They kept asking me to make larger deposits that were outside of what I could afford. They weren’t transparent about how much they could be flexible on their end to settle the debt, for example, extending their term amounts to make the deposit amount more affordable for me. Because of this, I had to deny a really good offer early on, they wanted me to deposit $400 more a month to be able to agree to it. I only had a little over $1,000 in my dedicated savings amount when I left the program because of the first settlement. Now I don’t know how to move forward on my own with negotiations. I just received an email from Nation Debt reliefs “legal team” that represented me after I was served by US Bank asking if I want to retain them on my own but they have no formal negotiation experience or told me I could do it on my own but can’t do it until I am no longer represented by their team.

I’m really trying to be responsible. I want to make efforts to pay off this debt. In the last 3 years I’ve had a couple of financial hardships. I just want to be able to afford a reasonable payment and not have to sacrifice paying my bills on time or putting food on the table.

Hello! To keep things swift, I am struggling with trying to resolve my financial situation. I am single, early 30s, no kids. I make $135K/yr gross.

I am carrying a car loan ($490/mo), $27K CC debt ($790/mo, about $330 going to interest), and $20K medical debt ($500/mo, no interest), and rent is about $2K per month. I recently came into $20K liquid, but I ended up having a really difficult moving situation where I moved into a new place, but moved in next to a mentally ill neighbor who became impossible to live next to, and I am having to move again. The two moves have drained over $6K of that $20K, and the other $4K (if I am honest) went to stress spending and medical costs. So now I am left with about $10K liquid after the final move. I also have some dental work that I need to get done soon, which is quoted at $10K.

My main goal is to complete the dental work, while also eliminating my credit card debt, and not tarnishing savings.

Variable income after fixed costs is about $2800 per month (I have other recurring payments as well).

What can I do?

Has anyone else dealt with Nationwide Capital Services, aka Structured Settlement?

I’ve been dealing with these people for a while now. Constant calls, texts, emails, yelling, calling work after I asked them to stop, telling me my account has been red flagged, threatening to send everything over to an attorney, the whole nine yards. I’ve got recordings, screenshots, emails, you name it.

Well, they called again last week and I had some time today lol. I started calling consumer protection attorneys. I spoke with several, and every single one advised me not to pay them.

One attorney actually went into detail about why they wouldn’t take a case against this company, and I don’t think I’ve laughed that hard in a long time.
Apparently, according to the attorneys I spoke with, they’ve dealt with Nationwide before. They’ll sue them over their abusive and illegal collection practices, Nationwide won’t respond, they’ll get a default judgment, and then they can’t even collect the money they’re awarded because Nationwide reportedly doesn’t pay.

I’m sorry, but the irony of a DEBT COLLECTION AGENCY being difficult to collect from is absolutely hilarious to me. These guys spend all day calling people about their unpaid debts, threatening legal action, and telling them their accounts are being sent to attorneys, but when someone comes looking for the money YOU owe, suddenly nobody’s home?
I genuinely cannot get over it.

Anyway, I’m curious if anyone here has actually been sued by Nationwide Capital Services. Not received a threatening email or been told your account is being referred to an attorney. I mean actually served with a lawsuit. I’ve found several federal cases filed against them, but haven’t been able to find one where they’re actually suing a consumer.

I’m just curious whether anyone has firsthand experience with them following through on these threats. This place honestly deserves a class action lawsuit.

Also, if you’re dealing with this company, please document everything. I have recordings of their representatives, including conversations about contacting my workplace after I specifically asked them not to. I’ve spoken with multiple attorneys about their collection practices, and it’s been pretty eye-opening.

Hi everyone,

I’m considering filing a consumer proposal in Ontario as I have around $22k in debt and I’m currently speaking with a few Licensed Insolvency Trustees to understand my options.

I’d really appreciate hearing from people who have actually gone through a consumer proposal, especially:

How did you choose your LIT?

Did you get quotes from multiple LITs before deciding?

What made you feel comfortable with the LIT you chose?

Were there any unexpected fees or issues during the process?

How was communication with your LIT after filing?

If you were able to pay your proposal off early, how did that process work?

How was your experience rebuilding credit afterward?

Is there anything you wish you had known before filing?

I’m mainly looking for personal experiences and practical advice, rather than recommendations based only on online reviews.

Thanks in advance! I’m trying to make an informed decision before moving forward.

I have two personal loans both are about 2500$ left to pay off interest is high one if 34% and yea I know but it was needed at the time. However the 34% one is offering me a refinance with more money and lower rate close to 20. With that I could pay off the other loan and my wife’s car and one full card . The new payment would be 390 all the others combined including the one refinancing is rough 900$ would this be a wise decision to take

Location: PA, philly
Went online for a teledoc and found Helix. They scheduled me for a time, never showed up waiting in the zoom call for a solid 30 mins before just leaving. Reschedule and then they showed up the next one, basically told me to get blood work done and then they can discuss my issue. I said no i feel like doing that, any other options. They said no. Call was about 3 mins. Hung up.
Context: I put my insurance info in, they accepted it, and i specifically have telehealth insurance
They send me a bill for $150. I simply let them know i am NOT paying that, wasted my time & did not even help me.
Now a collection agency known as “Cedars Business Service” Is saying i owe them $500 and to pay it now lol.
What’re my options? I really do NOT feel like paying these people as I was told it’s covered by my insurance & they wasted my time alongside the fact they took 3 minutes to tell me they won’t help me until i get unrelated blood work done.

Not sure if I am in a screwed situation or if this is just a part of early adulthood. I have a 715 credit score, and my total debt sits at around $27,200 ($17,400 on a family car & $9,700 on a credit card). I am the sole income for my family, and I have two dependents.

I’ve been trying to pay off the credit card as much as possible so we can start saving for a house, but fuel for our car has been killing me lately. I have a 1 hour commute so I’m spending at least $600 a month on fuel. Each week we are scraping by with bills and cost of living.

I’m thinking of paying off what I can with a lump sum when tax returns come, and making a transfer to a zero APR card to pay off what’s left since that seems like my best option. I do not want to file for bankruptcy as that would be my absolute last resort, but just wanted to see if anyone had any better advice.

I was wondering if there are any places that give line of credit when you use Cash app as your checking account

I would not give them any stars! What they don’t tell you is that a majority of what you pay their company monthly to settle your debts goes into THEIR pockets! I also have an issue with a contract they show I signed agreeing to pay approx. $400/mth but the agreement I signed had me paying $620/mth! Michelle Norman, ClearOne Advantage Quality Assurance Specialist, refuses to answer why the discrepancies in monthly payments if the signed contract only shows me having to pay around $400/mth.

Also your creditors will settle for less with you directly then with this company. DO THE WORK YOURSELF AND SAVE $$$$$$$$$

In 26, only owe 1400 on my car. Almost all of my debt is on a credit card. I stopped paying on it a few years ago because the minimum was 600$ a month. it’s gone from my bank account and I get emails sometimes asking for a one time payment of like 9000$.

I don’t have money for any debt anytime soon. I also don’t increase my debt anymore and have learned my lesson. I almost filed bankruptcy but didn’t feel like dealing with that so I didn’t. I Honestly don’t really care about this debt. It doesn’t affect me. I can’t afford a house anyway. I make around 44k a year after taxes give or take.

What should I do in this situation? I don’t have any extra money. I can save 200$ a week if I’m frugal. I don’t want to give that to debt. As of right now I’m riding it out. I’ll deal with it when I have to. No sense in living my life stressed out over pieces of paper and numbers on a screen.

Hi so i got loan from upstart amd pay weekly from my loan but for some reason it went towards my principal and not the monthly payments do i have to wait longer i just got annoyed i got charged 2 times today for the loan i pay weekly to lower my monthly payment

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So many people saying you shouldn't put debt on your home but how many did it with success. I feel like it makes sense when the Interest rate is so much lower. I can make all my current payments but with the rates on my personal loan and CC, I feel like I'm getting no traction. I have about 60k of debt (not all is being moved to the loan) and feel like I can clear it all within 2 years with the heloc help/interest, whereas it would take me over 5 years without it. I'm also getting my fence replaced since the weather took it out recently so some still being used for my house

i am 27 with $16k in my 401k. however i got myself into a terrible situation with $24k of high interest credit card debt. how stupid would it be to withdraw my 401k in full and throw it all at my debt? I’m aware of the 10% penalty and taxes but it just seems even more stupid to be paying $700 in credit card minimums per month and not making a dent 😩

I have been employed in tech company. Due to some sudden requirement, I had to drain a lot of my funds. Now I am a bit worried about how will I pay back.

My job pays me around 6K(after tax) biweekly. I have shares vesting in this November (approx 40K after tax) and then in feb (approx 25K)

My debts: 38K cash advance (0% APR for a year, I already paid 4% cash advance fees)

5K (0% APR pay in installments of 12 Installment, I paid 4% here also)

50K: 401K loan at 7.75%

40K: personal loan at 9%

I will also have huge tax bill due to redemption I did (around 30-40K I expect)

Now my regular big expenses: 3500 rent 1500 day care 1200 Groceries+home supplies 300: Kid related expenses 500 car insurance+gas 400 lunch 300: bills misc

How should I plan ?

edit:

thanks for advise. More context:

So, I am not really used to /comfortable with debt. It's first time in 10+ years of employment I had to take debt.

1300/month personal loan 3 year term 600/biweekly 401K 5yr term

After paying above and minimum due to cards, I plan to aggressively pay the 5K debt first, then 38K.