1. #1
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    Default no job and debts

    Ok im really far into the whole now with debts... I have over a thousand in credit card debt and there behind because I havent had the money to pay them.. I had to get a payday loan and dont have the money to pay it back and now i got the payday people calling me ten times a day a long with other collection agencies because of non payment...i really am scared i might get in trouble. My dad told me as long as long as i make an attempt to pay them with what ever i can afford the law cant do anything can they? Right now I have zero income unless I can get my unemployment (See my other thread) then Ill be bringing in 243 with the unemployment check. So if I make an attempt at paying my debts I should be allright with not getting in trouble with the law or getting taken to court?

    YES I KNOW CREDIT CARDS ONLY GET YOU IN TROUBLE!!!
    Ryan

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    How about finding a job ASAP anywhere you can? Why is that not an option?

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    Welcome to the real world... the lure of low, easy payments sucked you in... now you see that nothing is low or easy!

    step 1: cut up the credit card now!!!

    step 2: get another job.. anything that will keep some form of income coming in. You may have to swallow your pride and take a minimum wage job.

    step 3: look into credit counseling. A credit counselor can help you prioritize your payments and help you negotiate a payment schedule that will keep the wolves at bay.

    step 4: did you buy "toys", such as a big screen TV, XBox/playstation, new car? It may be time to sell them to pay off some of your debt.

    step 5: worst case scenario, you'll have to declare bankruptcy.

    PS: "payday loans" are nothing more than legal loansharking.. stay away from them!
    ‎"The education of a firefighter and the continued education of a firefighter is what makes "real" firefighters. Continuous skill development is the core of progressive firefighting. We learn by doing and doing it again and again, both on the training ground and the fireground."
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    Quote Originally Posted by CaptainGonzo View Post
    Welcome to the real world... the lure of low, easy payments sucked you in... now you see that nothing is low or easy!

    step 1: cut up the credit card now!!!

    step 2: get another job.. anything that will keep some form of income coming in. You may have to swallow your pride and take a minimum wage job.

    step 3: look into credit counseling. A credit counselor can help you prioritize your payments and help you negotiate a payment schedule that will keep the wolves at bay.

    step 4: did you buy "toys", such as a big screen TV, XBox/playstation, new car? It may be time to sell them to pay off some of your debt.

    step 5: worst case scenario, you'll have to declare bankruptcy.

    PS: "payday loans" are nothing more than legal loansharking.. stay away from them!
    step 1- Done did that
    step 2-i should be getting unemploymet
    step 3-i might have to...i thought i had a sure fire way but guess not
    step 4-no i have no car the only thing i really have is a gun that i might declare selling.
    step 5-im only 20 years old have you seen that ever happen

    I know payday loans are loansharks now...
    Ryan

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    You gain strength, courage, and confidence by every experience in which you really stop to look fear in the face. You must do the thing which you think you cannot do. -Eleanor Roosevelt

    Lets not forget those lost on 9-11-01

  5. #5
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    www.freecreditinfo.com

    This is a great site to help you get yourself back on track. As far as income goes. If you need to hustle Big Macs at McDonalds you gotta do it

    Cheers
    Matt

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    Whatever you do don't file bankrupcy. Not at 20 years old for just over a thousand on a credit card. The cc company will not take you to court but will turn you over to collections. You will have to talk to them and make a payment arrangement. Try and do that with cc company before they turn it over to collections. Sending whatever will not do with them. It worked years ago but not anymore. Talk to them...its very important. What gets them really upset is ignoring. Maybe you can work out 10 or 20 dollars a month and ask them to stop charging interest. Get a job ANYWHERE. You can make more at min wage than 243 a month. As far a the payday loan they might take you to court. That will be up to judge on how to pay that back and that is going to be a black make on your credit. Don't be scared...many people are in worst off shape. You just need to be responsable and get a job even if it is McDonalds. My daughter is 19 years and I always tell her never get a credit card. Credit /debit cards are great thats all a young person needs. Good luck to you.

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    Quote Originally Posted by CaptainGonzo
    step 2: get another job.. anything that will keep some form of income coming in. You may have to swallow your pride and take a minimum wage job.
    Quote Originally Posted by backdraft663 View Post
    step 2-i should be getting unemploymet
    The apparent attitude this response indicates baffles me to no end! It sounds like you think that because you will be receiving income, it doesn't matter where that income comes from.

    EI should only be used AS A LAST RESORT and before, during and after you collect it all your energies should be directed at GETTING A JOB, ANY JOB!!!!

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    i should a worded that different. yes having unemployment is my last resort but im only getting it until I can find me a job again...im not going to sit around and not work its just not me im going to actively search for a job the unemployment is only there to get me through until i do so.
    Ryan

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    You gain strength, courage, and confidence by every experience in which you really stop to look fear in the face. You must do the thing which you think you cannot do. -Eleanor Roosevelt

    Lets not forget those lost on 9-11-01

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    20 years old???? You actually admit you want unemployment? Here you go, not only are there plenty of jobs here, they will give you 3 squares a day, a place to sleep and technical training, and rides on big gray ships. Hell they will even give you money for college AND let you attend college on their time! Most of all though, they will make you grow up.

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    I have to agree with FWD buff::::: Join the military, and grow up....
    Be SAFE!!! Go home when your shift is done and enjoy life.
    This is MY OPINION and ONLY MINE.
    Not my Departments/IAFF/WPFF

  11. #11
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    Growing up can be a big ask.

    Just get a job first.
    Psychiatrists state 1 in 4 people has a mental illness.
    Look at three of your friends, if they are ok, your it.

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    yes i do admit i need much growing up to do. I haven't always made the best choices in my life...Yes I do admit that. going into the military really isn't me...I'm sure I can eventually grow up after gaining more experience in the world. I just filled out an application with a local lumber company, I have experience in wood working and what not. I even went to high school for carpentry but can not find a job in the carpentry field easy and local. So Ill give it a few days and then call the lumber company to follow up on my application. Thanks everybody for your input I greatly appreciate it. Ryan
    Ryan

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    You gain strength, courage, and confidence by every experience in which you really stop to look fear in the face. You must do the thing which you think you cannot do. -Eleanor Roosevelt

    Lets not forget those lost on 9-11-01

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    Rob a bank?

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    Who is Rob.

    Backdraft.. Read your own signature line.....

    closely
    Psychiatrists state 1 in 4 people has a mental illness.
    Look at three of your friends, if they are ok, your it.

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    I used to be a collector and here is my advice. A credit company probably will not sue for just $1000, but it depends on their policy. If you are not working they can't attach your wages because you have none. Remember, a credit card is not secured so don't go and get a secured loan to pay off an unsecured one, that is not smart. Ultimately, the debt will be charged off which is a bad mark on you credit score. The company might be willing to settle for less then what is owed. This is usually a lump sum payment and is a good idea if you can come up with the one time payment. This will also reflect badly on you credit. I would not borrow more money unless it is from family. $1000 is not that much in the big picture, all you have to do is watch Oprah to find those who have $10,000 in debt.

    Also, there is the FAIR DEBT PRACTICE ACT which restricts what collectors can and can't do. If they really are calling 10 times a day this is probably harassment. Laws differ state to state but usually they can call between 7 am and 9 pm. Ask them to cease and desist and they must, althought they might require it in writting. They can NOT threaten you. If they say they will sue then they have to. They have no real leverage to recover their money because it is unsecured and you are unemployed. After 90 or 120 days it will be charged off and will be reported to all 3 major credit reporting agencies.

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    I have to agree with plisken and FWDbuff here... grow up! Unemployment (free money) is not the answer! Join the military. There are a lot of advantages to joining. It doesn't even have to be one of the four major services either, you could always join the Coast Guard. It's a great service especially for those that want to move into the Fire Service, EMS or Law Enforcement because you do all of those jobs in the Coast Guard on a daily basis. If you still want to be a fire investigator then this would be a great option because after your term of service they will pay for you to go to school (G I Bill). Your payed while your training for 2 months and can walk out of Basic with $1000 in your account. Suck it up for a couple more months after basic by not blowing your pay checks and you can pay off your credit card. They house you and feed you. Also the experience will pay off in the future and also help you grow up. I was in the same situation myself at 19, the only differences is that I was going to school and ran up my card paying for books. I screwed up and joined the Coast Guard, sucked it up for a few months and was able to pay off my debts. I grew up and don't regret one bit of my choice to fix things since.

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    9369 Colerain Ave.
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    "Loyalty Above all Else. Except Honor."

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    Perhaps if you spent less time on firehouse.com and more time seeking employment, this wouldn't be a problem?
    Even the burger-flippers at McDonald's probably have some McWackers.

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    Go mow some freaking lawns in Indian Hills or something.... the next door neighbor kid is making a few grand a week mowing lawns right now, and he still has a week left of 11th grade this year.... Anyone who can't come up with a way to pay off less than two grand of credit card debt fast should just give up on life.
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    Quote Originally Posted by nyckftbl View Post
    LOL....dont you people have anything else to do besides b*tch about our b*tching?

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    Seriously, I WISH my Mastercard only had $1000 on it right now!
    Even the burger-flippers at McDonald's probably have some McWackers.

  21. #21
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    Wow. Thats all I can say. Granted, he made some mistakes. But it seems like some of you are just ripping into him.
    I am facing a VERY similar situation as him, with the exception of no debt. I have no credit card, and when I was working, I worked ALOT, so I had enough stashed away to sustain me for a while. Well, that while was to get me to Fla to get a Career FF job. Well, the market for Career FFs has collapsed. More like evaporated. There is NO market for them here. Many are even facing layoffs. So what am I to do? State DOH is dragging feet on test date for EMT. And the highest paying job I have been offered is considerably less then what I would make on unemployment. Well, I took the unemployment route, until I can get a job.

    This IS what we pay into the system for, correct? Or is it just so the bottom of society can suck of the system.
    AJ, MICP, FireMedic
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    This message has been made longer, in part from a grant from the You Are a Freaking Moron Foundation.

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    Quote Originally Posted by MisplacedEMT1 View Post
    It doesn't even have to be one of the four major services either, you could always join the Coast Guard. .
    So why make the Coast Guard sound like an easier alternative to the other four? Just because it's a smaller branch than the rest doesn't make it any more "major" than they are. I would expect it out of someone who doesn't know any better, but not someone who was in the CG. Semper Paratus..

    Still serving PS1 sends...

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    I never said im wanting to stay on unemployment. Im looking for a job but Im on unemployment to be able to get me through until I can find me a job. Im not afraid to say yes I made a mistake cuz I know I did and admit it...
    Ryan

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    You gain strength, courage, and confidence by every experience in which you really stop to look fear in the face. You must do the thing which you think you cannot do. -Eleanor Roosevelt

    Lets not forget those lost on 9-11-01

  24. #24
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    Ryan, that is what unemployment is for. Transisitional, down on your luck times. It is not fun, and is hard to admit, but you will make it Brother.
    AJ, MICP, FireMedic
    Member, IACOJ.
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    This message has been made longer, in part from a grant from the You Are a Freaking Moron Foundation.

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    BLSboy,

    Check your EMAIL....not your PM box.


    AZFF
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