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Moderator
Community Support Team 
Member Since Mar 2006
Location: Ontario, Canada
Posts: 11,529
18 79 hugs
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Nov 15, 2021 at 06:27 PM
#1
I spent most of the afternoon on the phone with a debt management consultant. I've stupidly wracked up a lot of payday loans - being broke, I made some stupid decisions.
Anyway, I can get half the debt written off, with a consumer proposal, and I have to make monthly payments of 110.00 for 60 months, after which it will come off my credit report. It's better than bankruptcy, which I had to file back in 2012, but cleared that successfully. It'll mean going back to living without credit cards, but I pretty much do that now. I just wish I wasn't such a loser when it comes to managing my money. __________________  "I danced in the morning when the world was begun. I danced in the moon and the stars and the sun". From my favourite hymn. "If you see the wonder in a fairy tale, you can take the future even if you fail." Abba 
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 BeyondtheRainbow, SprinkL3, unaluna
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Magnate
Member Since Jan 2013
Location: Midwest
Posts: 2,456
11 86 hugs
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Nov 17, 2021 at 08:31 AM
#2
Good for you for getting a plan to repay your debt. Good luck. If you think your bad with finances get a repayee. That would give you limits on spending and your Bill's would be covered.
__________________ Son: 14, 12/15/2009 R.I.P.  Daughter: 20  Diagnosis: Bipolar with Psychosis. Latuda 100 mgs. |
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My Support Forums is the online community that was originally begun as the Psych Central Forums in 2001. It now runs as an independent self-help support group community for mental health, personality, and psychological issues and is overseen by a group of dedicated, caring volunteers from around the world.
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