TL;DR - My father has a loan of over 1cr (again). We (me, my wife) earn about 1 lakh a month. Don't know if I (late 30s) should prioritise myself, my kid or my father.
Sorry this is going to be a very long post, as I feel like giving you a 40 year background and TBH, I don't even have right questiona to ask.
Part 1 - Background
My father started his first business (1980s) before even I was born. As he didn't have any capital, he took heavy loans to begin. Although he was running a successful wholesale agency (among top 10 in my state as per the company accounts), our expenses+interest was huge. By 1995 his interest was about 10 lakhs per month vs ~8L he made. By 1998, we got bankrupt and he had to sell everything, even his shop, my mother's ornaments and the house where we lived. As per the agreements court ordered us to pay 50% or principal to each lender (all of them had already got 10x via interests earlier). We did that, but not all money was owned by noble men, some of it was from loan sharks and they wanted last penny so they threatened and kept on taking money till today.
In 2000, after the shame of bankruptcy went little bit down, my father restarted the business as a retailer, with just 8000 that he earned doing petty things. With his contacts and dedication he grew enough to support our family, but 2005-2010 hit him hard. I went to college, my sibling wanted badly to go to Kota, all savings went down coz of 2008 crash and he took loans again.
Since then his expenses vs earning is constantly negative and loans have soared to 1 CR again. With zero assets this bubble will burst in maximum 1-2 years.
He has ZERO assets, just a 2007 Activa that he bought for me.
Part 2 - My story.
I (late 30s) along with my wife earn ~1.5 LPM. We spend about 80k in Rent, grocery, shopping, insurance etc. give 30k to my father for their expenses, rest saving in FDs/RDs for down payment to buy us a home.
My father loved us like anything and despite of him not having anything fulfilled all our naive wishes. Now all I wish is same like Babu Bhai from Hera pheri. I want to see my father sit in his own home debt free and take a sip of tea.
But this would be at stake of me not building anything for my future and can seriously jeopardize my kid's future too.
Part 3 - Questions

1. Should we consider him closing his business and shifting with us? His account says business earns about 1Lpm with average expenses of 80k. But his interests some of it from suppliers cause it go negative.
   
2. Should I send more money home to help him repay his loans?
   
3. How do I plan for my kid (~3 yo).
   
4. For my case does saving even matter?
   

P.S. Serious answer only Don't need upvotes, just need genuine advice, so rather share with someone who you think can really help.

I first started off doing grubhub when I was under 21 when I turned 21 I started doing Lyft because Uber wouldn’t allow me to do it just Ubereats driving so my car broke down I had a 2011 Chevy equinox got it fixed I live in Chicago and we have redlight cameras and speed cameras so I got up too like 6k in tickets car wasn’t paid off so I had to file bankruptcy because I had about 30k in debt at the time got all the together they took the car as collateral but ended up selling it for something so I went to a long term rental company where you lease the car per week 35-55 a day I’m 27 now I have been doing this for almost 8 years it works for me because they always do maintenance unlimited miles insurance and even in you get in a crash you can be in a car the same day sometimes and you don’t have to have 100k miles on your personal car that is going to lose value if you do Uber In it does anyone else think this was a good idea for me to do this do years ?

Wanting to file, I have about 12K in California Worried companies will start filing for debt collection.
I’m nearing the end of the statues here and maybe where the collection agencies will start being able to sue me for collection since I have made zero payments or arrangements. I don’t use any credit at the moment. My income fluctuates a lot since I’m self employed, with some low months being 3K and high months being 6K +.
I was building a cash savings with hopes of selling with some of the accounts but recently had to spend most of it on unexpected expenses, so starting back from almost zero.
I paid off one card and of course it’s still affecting my credit despite it being paid off for several years now.
One of my current debts currently just readded itself to my credit and my score of 700 tanked back to 650 and dropping.
I’m about due to start paying back my student loans as well. My living expenses are about 3K a month and I can’t cut back much more. Because I was chronically poor before this most of my excess income goes into savings and things I had put on the back burner for years (dental care, repairs, etc). While I do expect that I might be able to workout some settlements I know that its effect on my credit will be minimal if I’m unable to pay all of them and they just keep reporting
No property in my name so nothing to lose as far as filing for bankruptcy
Thoughts? I’m looking for the option that’ll be both best for my credit and best for my personal finances

My co-founder has racked up a ton of personal credit card debt over the years and is considering declaring personal bankruptcy. He has 33.3% ownership in our company. We're currently trying to raise but haven't taken any investment yet.
Since he's part owner and officer in the company, what do me and my other founder need to consider? Is this a non-issue for the company or do we need to be concerned? We fully trust him but just want to make sure this won't come back to bite us in any way.

Due to mental and physical health issues I haven't worked in a couple years, I stopped paying the minimum on my credit card last September. I owe them just over $10k. Last week I got notice that they're suing me for breach of contract. I'm not disputing that it's my debt, I don't mind paying it, I just can't pay it all at once. My dad suggested I file bankruptcy because he thinks they'll take my beat up 2004 Toyota. I don't currently have wages for them to garnish but I do work here and there for a family member and that's allowed me to get by. Bankruptcy feels like a big deal, but a $10k judgment is also a big deal so I'm wondering which is worse for me long term. I'm seeing a new doctor and I'm hoping I can get my life figured out in the next year. If I can find a job and pay off the debt is that better than having a bankruptcy on my credit?

Does anybody remember a foash game site called “sickandtwistedgames.com?”
I have searched a bit and can’t find anything about it! Has anyone played on this site before? I remember specifically it had all the fucked games like “kill Justin beiber” and other torture games with more realistic graphics.
I don’t know how to use the way back machine very well so if you could find it and show me it would be appreciated.
There is also 1 flash game I seen on there that would always scare the shit out of me. I remember the thumbnail for it was some sort of zombie/corpse of a realistic kid looking right at the camera. Scared the shit out of me and I was always looking behind my back thinking he’s gunna be standing there when I was on that site. If you can find an archive with the thumbnail of this game in it I would be forever in your debt.
This would be anywhere from 2007-2010 maybe even 2011 I’m not 100% sure.

Does anyone else have issues with understanding credit, or is in trouble with student loans/credit card companies. I’ve tanked, my credit is worse than a used liter box, and I financially cannot float. 38 (f) autistic person who grew up with zero parents (orphan at 8), no guidance for finances. I’m definitely not trying to trauma dump, I’m trying to provide insight as to why I do not have the tools to make good financial decisions. Math and time are EXTREMELY frustrating for me. Does anyone else have issues with this?
I’m not claiming bankruptcy because most of my debts are IRS and student loans, so no help there. Should I just flee the country?
Anywho. Good talk.

Does anybody remember the flash sight with this same name?
I have searched a bit and can’t find anything about it! Has anyone played on this site before? I remember specifically it had all the fucked games like “kill Justin beiber” and other torture games with more realistic graphics.
I don’t know how to use the way back machine very well so if you could find it and show me it would be appreciated.
There is also 1 flash game I seen on there that would always scare the shit out of me. I remember the thumbnail for it was some sort of zombie/corpse of a realistic kid looking right at the camera. Scared the shit out of me and I was always looking behind my back thinking he’s gunna be standing there when I was on that site. If you can find an archive with the thumbnail of this game in it I would be forever in your debt.
This would be anywhere from 2007-2010 maybe even 2011 I’m not 100% sure.

I have
$34,000 in credit card debt
$2,500 in IRS debt
$5,300 in student loans
$650 in electric bill debt
Currently making about $2k-$5k/month (commission job)
My expenses are about $1500/month without paying off debt
I started the chapter 7 process on Upsolve and I’m waiting for them to review my forms. I got my paycheck while I was waiting so I paid off $500 of the IRS debt and $185 on one credit card minimum payment. I’m planning to keep paying minimum payments incase my case is denied for any reason. I also sold one of my cameras for $300.
I just want to keep paying everything off on time incase my case is dismissed. Also, the IRS debt isn’t discharged anyway so I may as well throw $500 at it now.
I’m not sure if I messed up or not, I have a few questions I’m hoping someone can help me with as well as some questions about the chapter 7 process in general.

1. Does it matter if your bank account is going up down a few hundred dollars compared to what you stated on the forms before you file with the court?
   
2. Can I simply explain where my money went to the judge if they notice any discrepancies and that I was just trying to keep paying everything off?
   
3. What happens if my case is dismissed? Will my credit card companies retaliate or will my accounts all be exactly as they were before? (Also if the case takes 4 months, will I have 4 months of interest/late payments built up?)
   

I’m trying to do this as honestly as possible while trying to stay in good standing with all my debt incase my bankruptcy is dismissed and I have to grind out 5 years of razor thin living expenses to pay everything off (which I would very much prefer not to do)

Hey FatFire community! I’m a long time lurker.
So 2 years ago I sold my ecommerce business to an aggregator in the Amazon space. The deal included a 3-year earnout without any constrains on performance. The aggregator that purchased my business mismanaged it and they are now in deep financial trouble. So much so that they merged with another aggregator of the same space to salvage whatever they can.
In total the new company runs a 15 brands portfolio, all of them performing badly (compared to those assets’ performance at the time they were acquired). New company is in default with a senior lender. My earnouts are unsecured debts.
I know this is not a unique situation as many aggregators and business in general who raised money are in financial trouble, have merged or have been acquired by larger aggregators. Or worst they have filed for bankruptcy.
I wonder if there are other redditors in similar situations in which earnouts post exit have not been paid, and if so what your case is/was and whether you are pursuing legal actions (and if legal actions are over what the outcome was). TY!

From 2003-2007 we didn't have drinkable running water because the well was contaminated by a leaking above ground sewer line made of PVC pipe.
You couldn't brush your teeth with or eat of dishes that has been in it without rinsing them first.
Couldn't drink the water before that because of other contamination anyway.
My mom took me to the dentist for the first time when I was 8. Teeth said I had TMJ from teeth grinding likely caused by stress.
She got mad and got in a fight with them and we never went back.
Second time was when was about 10 and wanted braces for my crooked ass teeth. She hated them for lecturing her on dental care for me. I freaked out when they tried to inject novacaine for the first time (no gas as per mom) and started crying/telling them to stop. My mom was screaming at them and me. They couldn't finish the procedure. We never went back.
Third time I was in pain for months and couldn't sleep. She finally took me to a dentist at 15 (was taken out of school at 12 to be "homeschooled" and neglected. I needed lots of fillings and a root canal.
My baby teeth were black and all broke off a year or two before they fell out. Lot of my new teeth had tons of cavities before they finished coming in.
I lost my first adult tooth at 17 right before I got married off.
I've needed dentures since I was 23. My mom, grandpa, and grandma all had or needed dentures.
I'm 34 now and look like I had meth mouth kinda despite never doing meth. Almost no bottom jaw teeth. Outer teeth all have visible cavities.
Trying to save up to get the rest pulled and some cheap dentures since I have no dental through work.
One of the few times my mom went to the dentist I can recall she hated it and the pulled a lot of teeth for bridges we never had installed because they were too much. She blamed "that awful dentist for ruining her teeth". He also warned her cigarettes for food ass about oral cancer and she lost her shit.
She blamed my childhood cavities on me ONCE using my grandma's denture cleaner as toothpaste supposedly. Said it immediately made my enamel see through and ruined them forever. That you could see the Kool aid going inside my teeth.
She also blamed it on the antidepressants, mood stabilizers, and antianxiety meds I got prescribed at 11-12. Her verbal/emotional abuse (sometime physical) got really bad back then during another on of her bankruptcies and she was drinking more. The hoarding and cat hoarding was intolerable. Everything was stacked up and soaked in cat piss. I tried to kill myself to escape and ended up on all kinds of meds.
I don't remember ever brushing my teeth and rarely bathing from 3-16. I learned to wipe front to back a few years ago.
I wish someone had taught me oral hygiene and taken me to dentist regularly as a kid.
And yes, I already go to dental school and free dental vans. It's just hard trying to always hide your teeth and not smile for years.

I(24F) was convinced to get a credit card 4 years ago, and because of life circumstances/injury/changing homes/jobs over the years I’m now $7700 in debt over 4 cards. I’m a barista/bartender and atm I’m pulling in about $2000 a month, but hours and tips are inconsistent and some slower months I’ve pulled in as low as $1500. My rent is $1050, electricity $30-40. For several months now I’ve only been able to afford the minimum payments on my cards, which are immediately eaten back up by interest. I tried to apply for food stamps but just barely didn’t make the cut.
If I file bankruptcy it’ll be a little less than $2000, so $650 a month for three months which I can handle if I really tighten my belt(off and on I’ve been living off of daily cash tips, pooling up enough for tofu or potatoes). If I do that for a year and a half longer I can get my cards paid down, but I don’t know if it would be worth it to live like that for so long. It would be nice to buy a house someday but at this point that’s a pipe dream, and I’ve heard that as long as you build your credit back up a bankruptcy isn’t that big a stain once the 3 years have elapsed.
I’m so tired of this $7.7k noose that’s been around my neck for so long. I’ve lived in constant overwhelming anxiety about finances. I used to have savings in the bank. I want to have a cushion of my own money again but these credit cards are making saving money impossible. Is bankruptcy my best bet?
Any help/advice is appreciated

my heart hurts and i’m unable to talk about it in person without crying and/or getting so angry at the world so here i am. i’m also just embarrassed, and blaming myself a lot. long story not so short my mom asked me to buy a house with her when i was 20, she convinced me to help financially and i spent all of my savings to do so. her dogs have been a terror. she used to breed & sell when i was younger, so i’ve always been around them nbd, now i have three cats. the dogs have never seemed super interested in them, a sniff here and again which the cats would quickly get sick of and give a lil slap or a hiss and then that was it. i never thought them to be aggressive towards cats but here i am. my mom has a traveling job which means i am the full time dog sitter of the hell hounds that have never been trained, leash walked, socialized, groomed regularly, nothing. they are barely potty trained at 5+ years old. she came home one friday, i left for work, about two hours into my shift i get a facetime call from her and a text saying it was an emergency. she yelled that the dogs have gotten the cat and he’s not coming back. i lost it, suggested cpr or a vet, to which she said no he’s gone. i yelled and told her this was her fault for ignoring my concerns about the dogs and not being careful with my cats. i hung up and called my grandmother so we could get my Momo and bury him in her yard with the rest of our fallen companions. i asked my mom to leave me alone for a while, take her dogs somewhere so i could pack my things without having to deal with them, all of this she ignored. i waited at my gma’s house for seven hours for her to leave. she wouldn’t, so i went there anyways to get my cats out of there and get my things so i could be done with this whole situation. i walk in, and she is eating popcorn on the couch with her new bf, dogs laying comfy on her mattress. she wouldn’t even keep them outside for a night like i asked, but why would she discipline line her dogs? whoops, but i lost my shit. i threw the dogs outside, kicked them a few times and my mom and i begin a screaming match. my point being how this was preventable, if she would have listened to me and taken my concerns into consideration (training, looking into rehoming to people who have more time and are more committed, even just taking them to a doggy daycare so they can socialize and get some energy out, anything) instead of blowing me off as just complaining for years, my cat would be here. that something needs to be done about them. i said she was lucky i didn’t shoot them. she responded with “go ahead and do it you’ll just go to prison” just shows how little she cares about them. i go on that she asked me to get this house, she wouldn’t have been able to without me in the first place, and i have been paying the majority of the bills, i deserve more respect and consideration. to which she basically says nah i didn’t really. nah you don’t do shit. leave and she’ll hire a dog sitter. i’m glad i gave her all of my life savings when i was barely an adult under false pretenses, for her to just see me and compare me to a dog sitter. she steps up and get right in my face. i am livid at this point. i tell her multiple times to get away from me, i take a step back, she doesn’t, i push her away. and again she steps up to me so i shove her. i walk off inside to get my cats and she calls the police on me. i leave, my grandma goes over and gets my cats for me, my boyfriend and i rent a uhual the next day and get all of my shit into his place. i’m asking her to release me as co signer on the mortgage. i want my $8k that i gave her for the down payment on the home and to “show that she had enough in her bank account” i doubt that will happen. she claims to not have really needed me to get the house, but i’m now realizing she did, that was the rouse, not that we get along so well and it would benefit both of us, that the house would be mine in the future and i would be set with a home. she has bankruptcy and lots of debt on her credit report. she does not make a ton of money, i am financially more responsible than her. even at 20 my credit score was excellent and i had thousands saved. i just wanted to help my mother. now i am doubtful that she will be able to afford the house without me, and i will end up on the hook for the mortgage. which is why i’m asking to be released, which she is ignoring, probably because she will have a hard time refinancing on her own. she is saying she will rehome the dogs, which desperately needs to be done, but i’m doubtful of that too. she is also now withholding my mail and has changed the locks on the house. has not responded to anything my family or i try to discuss as far as our severance. radio silence. i have no idea what to do with myself anymore. i have lost my home, my relationship with my mother and my barely one year old rescue kitten. i am bipolar and not handling very well. i just wanted to vent. thank you for reading this <3

Sorry for the info dump in the title but it is kind of complicated.
My wife and I have about $100k in debt.
We are in process of filing form bankruptcy but the bankruptcy payments would end up being $700 a month, which is basically as much as this personal loan for $50k is per month.
We currently can't afford this which is why we stopped paying it.
So we can declare bankruptcy but it doesn't really help us.
What if we go through the court and we will obviously lose the case as we do owe that money. Can they force us to pay?
I live in NC where I think there is a rule that says they can't garnish wages for debt like this.
So how would they force me to pay with no debtors prison and no garnishment of wages, what do I risk losing in just going through the lawsuit?

USDA mortgage loan in Kentucky
how to get approved for a USDA mortgage loan in Kentucky in regards to credit score, income, work history, debt to income ratios, bankruptcy and foreclosure :

1. Kentucky USDA loans Credit Score Requirements:
   • While Kentucky USDA loans are known for their lenient credit score requirements compared to conventional loans, having a good credit score can still improve your chances of approval. Aim for a credit score of 640 or higher for smoother processing. On paper USDA says there is no minimum score, but it is very difficult to get approved with lenders with no score.
2. Kentucky USDA loans Income Eligibility:
   • USDA loans have income eligibility criteria based on the area’s median income. To qualify, your household income should fall within the USDA’s income limits for the specific county or area in Kentucky where you plan to buy a home.
3. Kentucky USDA loans Work History:
   • Lenders typically look for a stable work history, preferably with at least two years of consistent employment in the same field or industry. This demonstrates your ability to repay the loan.
4. Kentucky USDA loans Property Location (Counties 120 in Kentucky):
   • USDA loans are specifically designed for properties located in eligible rural areas or designated suburban areas. Before applying, ensure that the property you’re interested in is within a USDA-eligible location in Kentucky.
5. Kentucky USDA loans Income Ratio:
   • Your debt-to-income (DTI) ratio is an important factor in loan approval. Generally, USDA loans require a DTI ratio of 41% or lower, although some lenders may allow higher ratios with compensating factors.
6. Kentucky USDA loans Income Limits:
   • USDA loans have income limits based on family size and county location. These limits vary by area, so check the current income limits set by USDA for the county where you plan to purchase your home.
7. Kentucky USDA loans Property Type:
   • USDA loans are intended for primary residences, including single-family homes, townhouses, and eligible condominiums. Investment properties and vacation homes are not eligible.
8. Kentucky USDA loans Bankruptcy and Foreclosure Requirements:
   • Having a bankruptcy or foreclosure in your financial history doesn’t necessarily disqualify you from a USDA loan. However, there are waiting periods after these events before you can apply:
     • Chapter 7 bankruptcy: 3 years from the discharge date.
     • Chapter 13 bankruptcy: 1 year of on-time payments and court approval.
     • Foreclosure: 3 years from the sale date.
9. Kentucky USDA loans Closing Time:
   • USDA loans typically take around 30 to 45 days to close, although this timeline can vary based on factors such as application volume and the efficiency of document processing.
10. Kentucky USDA loans Appraisal Requirements:
    • A professional appraisal is required for USDA loans to determine the fair market value of the property. The appraisal ensures that the property meets USDA standards and is worth the loan amount.
11. Kentucky USDA loans Termite Inspections:
    • USDA loans may require a termite inspection, especially in areas where termite infestations are common. The inspection aims to identify and address any termite-related issues in the property.
12. Kentucky USDA loans GUS (Guaranteed Underwriting System):
    • GUS is a tool used by lenders to process USDA loan applications. It evaluates the borrower’s credit, income, and other factors to determine eligibility and streamline the underwriting process.
13. Kentucky USDA loans Manual Underwriting:
    • In some cases, USDA loans may undergo manual underwriting, especially if the borrower’s application doesn’t meet automated approval criteria. Manual underwriting involves a more thorough review of the borrower’s financial situation by the lender.

Kentucky USDA loan

To get a Kentucky USDA loan, potential Kentucky rural housing borrowers must follow this sequence of steps:

1. Determine eligibility by consulting online USDA maps.
2. Decide whether you want a guaranteed or direct loan. Guaranteed loans will have higher income limits, which you’ll work out with the lending institution.
3. Submit all applicable paperwork, including income, debts, and credit reports.
4. After pre-approval, begin searching for new homes (or launch renovations on your current home).

Keep in mind that you’ll have fees associated with your loan. Guaranteed loans require an upfront 1% fee and annual fees of 0.35% for as long as the mortgage is active.
USDA program for properties located outside urban areas of Kentucky areas where you can secure a no money down loan at a fixed rate of on 30 years.
The max household income limits usually are between $110,500 to $146,000 for most rural area counties depending on household family size.
This changes every year so make sure you are using updated USDA Income Limits for this year
A 620-640 middle credit score is needed for loan approval on this program. They’re no max loan limits on USDA loans. You just need to qualify based on your debt to income ratio (see below under income section)—–USDA will go down to 580 on scores but it has to pass USDA Manual Underwriting guidelines
Need to be 3 years removed from a Chapter 7 Bankruptcy and 3 years from a foreclosure
Joel Lobb Mortgage Loan Officer
American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223
Text/call: 502-905-3708 fax: 502-327-9119 email: [kentuckyloan@gmail.com](mailto:kentuckyloan@gmail.com) http://www.mylouisvillekentuckymortgage.com/

See my cover of SK group 7 months ago here: SK Group : VinFastCommunity (reddit.com)
SK bought $1B of VIC in May 2019 for $1B. Now, that stake worth only about $400M, 60% loss.
Now May 2024, 5 years after the original investment. The SK guys are obviously frustrated with both the stock price and the dim prospect of Vingroup. They were dumb to not have a buyback clause as with Masan, but there is rumor that they are requesting Vuong Pham to buy back anyway, or at least help find a buyer.
So Vuong Pham, apart from the $9.3B debt and about $2.4B short term debt due, has to find another $400M to resolve this. Or to swap real estate assets.
Vuong Pham, Vingroup, Vinfast' life is entirely revolving around finding money to service the debt, day by day. Because without significant new money, Vingroup and Vinfast will default on debt and has to declare bankruptcy.
This is what lay people do not understand but is very clear to finance people. Vinfast and Vingroup are already technically bankrupt, there is zero chance Vuong Pham has the money to pay off all the debt.
Let's see how the SK story pan out, could be interesting.

1. A bankruptcy lawyer has in-depth knowledge of bankruptcy laws and can help clients navigate the complex legal process, ensuring they make informed decisions.
   
2. Bankruptcy lawyers can negotiate with creditors on behalf of their clients, often securing more favorable terms or even debt forgiveness.
   
3. A bankruptcy lawyer can represent clients in court, protecting their rights and ensuring they receive the maximum benefits available under the law.
   

Honestly, if Bloomberg and Morgan and Stanley are reporting on the debt that can’t be resolved, how long before they declare bankruptcy? What would that be like for the company (who gives a shit) and the employees? Would it be shutting the doors or suffering through a different kind of cluster fuck?

I(24F) was convinced to get a credit card 4 years ago, and because of life circumstances/injury/changing homes/jobs over the years I’m now $7700 in debt over 4 cards. I’m a barista/bartender and atm I’m pulling in about $2000 a month, but hours and tips are inconsistent and some slower months I’ve pulled in as low as $1500. My rent is $1050, electricity $30-40. For several months now I’ve only been able to afford the minimum payments on my cards, which are immediately eaten back up by interest. I tried to apply for food stamps but just barely didn’t make the cut.
If I file bankruptcy it’ll be a little less than $2000, so $650 a month for three months which I can handle if I really tighten my belt(off and on I’ve been living off of daily cash tips, pooling up enough for tofu or potatoes). If I do that for a year and a half longer I can get my cards paid down, but I don’t know if it would be worth it to live like that for so long. It would be nice to buy a house someday but at this point that’s a pipe dream, and I’ve heard that as long as you build your credit back up a bankruptcy isn’t that big a stain once the 3 years have elapsed.
I’m so tired of this $7.7k noose that’s been around my neck for so long. I’ve lived in constant overwhelming anxiety about finances. I used to have savings in the bank. I want to have a cushion of my own money again but these credit cards are making saving money impossible. Is bankruptcy my best bet?
Any help/advice is appreciated