I'll try my best to summarize my situation briefly. I was stupid in college, ran up a lot of debt, not realizing how deep I was getting. I was finished with school in 2005 and moved across the country with my girlfriend to help her pay for law school. I was stupid, struggled to get a job (never did), and continued racking up more debt in paying for her bills... instead of telling her the truth of the situation. I eventually couldn't pay mine (or hers), but then the collection agencies got involved, and I got very depressed.
I felt overwhelmed and in an impossible situation. It was stupid, but it got the best of me, and I started ignoring everything. I couldn't pay them anything so I stopped reading the letters altogether.
I, as I've said, became depressed, although I never went to a therapist or anything about it. Last year, I moved back in with my parents to try to get back on my feet, but they're calling here, and I still haven't gotten a job. It's like I can't focus on my life with all of this impossible debt hanging over me. It sounds pathetic, and I know it is, but it kind of overtook my life. I have no idea where the four years since I left school have went. I've wasted my life and totally let the debt beat me down. Every day just seems hopeless.
I haven't made a payment (or used the cards) in probably two years. On balances at that time alone, I probably owed $20,000 over six or seven cards. I also had a loan from Gateway for a computer for a few thousand and probably owe a bank a few hundred for overdraft fees. I'm sure there's a few more items that I'm forgetting. Like I said, I did the worst thing I could do, ignored the situation, let it beat me, and lost track. I know I could find it all out, but this is where I'm at at the moment.
I also have around $25,000 in school loan debt, which I know bankruptcy wouldn't help with. But if that's all I had, I could potentially get my life back on track.
The reason I'm trying to be responsible and get things straight now are that my friend is starting a business, so I have a great opportunity potentially if the business is a success. But I want to be able to focus on it and give it my best, and to do that, I need to get this debt discharged if I can. The phone calls, the dark cloud hanging over me, it is just too much for me. It's hopeless it feels like.
Yes, I know this is my fault. I don't need any lectures on that, believe me. I hate how it all happened, but all I can do now is try to fix it and work my way back.
I guess my questions/concerns are...
-Would being unemployed for so long get my case thrown out? The cards I had that I ran up debt on, I paid them for months, and some for even years. It isn't like I got a card, charged it up, and stopped paying on it. Quite the contrary. Just over the years, they got to be too much. It all snowballed on me.
I guess that's really my main question right now. Do I have a case? Or will it be thrown out? Do I have any hope?
I felt overwhelmed and in an impossible situation. It was stupid, but it got the best of me, and I started ignoring everything. I couldn't pay them anything so I stopped reading the letters altogether.
I, as I've said, became depressed, although I never went to a therapist or anything about it. Last year, I moved back in with my parents to try to get back on my feet, but they're calling here, and I still haven't gotten a job. It's like I can't focus on my life with all of this impossible debt hanging over me. It sounds pathetic, and I know it is, but it kind of overtook my life. I have no idea where the four years since I left school have went. I've wasted my life and totally let the debt beat me down. Every day just seems hopeless.
I haven't made a payment (or used the cards) in probably two years. On balances at that time alone, I probably owed $20,000 over six or seven cards. I also had a loan from Gateway for a computer for a few thousand and probably owe a bank a few hundred for overdraft fees. I'm sure there's a few more items that I'm forgetting. Like I said, I did the worst thing I could do, ignored the situation, let it beat me, and lost track. I know I could find it all out, but this is where I'm at at the moment.
I also have around $25,000 in school loan debt, which I know bankruptcy wouldn't help with. But if that's all I had, I could potentially get my life back on track.
The reason I'm trying to be responsible and get things straight now are that my friend is starting a business, so I have a great opportunity potentially if the business is a success. But I want to be able to focus on it and give it my best, and to do that, I need to get this debt discharged if I can. The phone calls, the dark cloud hanging over me, it is just too much for me. It's hopeless it feels like.
Yes, I know this is my fault. I don't need any lectures on that, believe me. I hate how it all happened, but all I can do now is try to fix it and work my way back.
I guess my questions/concerns are...
-Would being unemployed for so long get my case thrown out? The cards I had that I ran up debt on, I paid them for months, and some for even years. It isn't like I got a card, charged it up, and stopped paying on it. Quite the contrary. Just over the years, they got to be too much. It all snowballed on me.
I guess that's really my main question right now. Do I have a case? Or will it be thrown out? Do I have any hope?
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