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Welp. Fuck my life
12 years ago
Edit July/5/2013: I've added in a Paypal. earle64[at]yahoo.com
Edit July/6/2013: I never expected people to actually help me out in this time. But to those of you who have dontated. you have my deepest gratitude. I promise every penny will go towards this, As of right now I'm sitting at $320. 280 of that is my own since payday was friday (and I finished paying rent and groceries) And an additional 40$ Has been donated by a true scholar and gentleman.
If I can hit $1800, I'll be able to declare bankruptcy, which will completely destroy my credit score. but will solve the issue. If I can somehow manage to gather the whole 3500, I can declare it done and done and basically worship the very ground you all walk on.
So once again. Thank you!
So I'm not one to say things on my health. But now it's kinda put me in a pickle.
Today I received a court summons to pay off 3500 for my student debts.
Now you're probably asking. Why the hell would I get a court summons?
Originally it was 7500, and I was paying it off bit by bit. 300$ a month etc. however I've missed the last few payments due to medical. I get 10 paid sick days from work a year. And 10 unpaid sick days. I've used closer to 100 due to the fact I've got chronic migraines and recently had a bleeding ulcer
The past few months I've made barely enough to pay rent and have enough to eat. I just haven't had enough money left over to pay the debt. And now they want to collect money I just do not have. In fact the past month I've made no money due to illness, and had to max out my credit cards (1500 total) Just to scrape by.
So I ask. Not for donations or anything, (though that would be nice) But advice. I'm currently on the cusp of losing my job and I have until the 16th to reply to the summons. Can anyone help me out?
If need be I can make a paypal to receive donations if people are willing to help me out that way, But advice is mostly what's required.
Edit July/6/2013: I never expected people to actually help me out in this time. But to those of you who have dontated. you have my deepest gratitude. I promise every penny will go towards this, As of right now I'm sitting at $320. 280 of that is my own since payday was friday (and I finished paying rent and groceries) And an additional 40$ Has been donated by a true scholar and gentleman.
If I can hit $1800, I'll be able to declare bankruptcy, which will completely destroy my credit score. but will solve the issue. If I can somehow manage to gather the whole 3500, I can declare it done and done and basically worship the very ground you all walk on.
So once again. Thank you!
So I'm not one to say things on my health. But now it's kinda put me in a pickle.
Today I received a court summons to pay off 3500 for my student debts.
Now you're probably asking. Why the hell would I get a court summons?
Originally it was 7500, and I was paying it off bit by bit. 300$ a month etc. however I've missed the last few payments due to medical. I get 10 paid sick days from work a year. And 10 unpaid sick days. I've used closer to 100 due to the fact I've got chronic migraines and recently had a bleeding ulcer
The past few months I've made barely enough to pay rent and have enough to eat. I just haven't had enough money left over to pay the debt. And now they want to collect money I just do not have. In fact the past month I've made no money due to illness, and had to max out my credit cards (1500 total) Just to scrape by.
So I ask. Not for donations or anything, (though that would be nice) But advice. I'm currently on the cusp of losing my job and I have until the 16th to reply to the summons. Can anyone help me out?
If need be I can make a paypal to receive donations if people are willing to help me out that way, But advice is mostly what's required.
Do you know of any companies that help settle debt agreements or something? Or maybe you could try starting a fundraiser at youcaring.com?
Hopefully, you'll be able to find a lawyer that will meet with you and be able to help you resolve the matter. Take all of your pay-stubs, receipts, and any sort of paperwork or documentation that you received from your doctor's visits to show that you've been out of work, and barely able to pay your rent and food, let alone other bills.
In the future, if you have trouble paying your bills, it's better if you send something, even if it's only $5 (no matter what they say is the minimum payment), with a letter basically stating that this is all you can afford to pay this month. If you can't even afford to send the $5, it's still best to contact your creditors and tell them that you can't afford to make a payment, rather than to just let it go without any word at all.
And I did contact them stating why I would be unable to pay, I even told them When I would have money again, But they didn't care and set off the paperwork to the courts anyway.
As it's through the claims court there is no lawyer I can get, as it's strictly between plaintiff and defendant. My Financial representative has my information on file but still suggests filing bankruptcy.