I was scammed for 3k. So far I've paid 2k down. In 10 months or less, i will pay back the next 1k. Than start paying down my credit cards. They didn't close my account.

The interest on the card is less than a personal loan i would qualify for so I just keep paying the card. They know i was scammed, they are actually being really nice to me. No over account fees, just letting me pay it back with interest. And any extra money i get goes to paying it down.

It's excited to be 1k away. Still 10 months out but might be sooner. I'm excited to see the light at the end of the tunnel.