Prayer requests! Under heavy attacks!

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The whole thing about this is I cannot pay the bill because it's too much. Affirm will not work out any repayment plan. That leaves me with bankruptcy. So if I can just let affirm go into collections I then can make a repayment plan with the collection agency using money management international. But if they do try get judgement on me, I just go head file bankruptcy.

It will take about 4 months to find out.
 
If you don't mind, just how much is your interest rate? If you can not pay the monthly payment interest, your best option is to go into collections and let the collection agency work out a repayment plan. Just remember that you will be required to keep up the payments on the repayment plan.

If you have not put a credit freeze on your credit reporting agency accounts, do so immediately.
 
I will look into a freeze on my credit reporting. Learn about this I will. My affirm interest is about 36% APR. Most of the loans are for less than 10 months each. There are some 11 or 12 month loans. Lots of them are for 6 months. The total bill counting interest is only $3,100.00
 
I read this on affirm webpage. That after 120+ days it goes into collection. This is what affirm says they do. Plus, I might find it very hard to get another loan with affirm. But right now I don't care if I am banned for life.

After it goes into collections I can then get MMI to make a repayment plan for me. Probably cost me about $85.00 over 3 years. Trinity will not work with collection agency, but MMI said they do.

I am no longer worried about my budget. Everything is resolved right now, so long as I get that repayment plan done.

The stress is gone... I can feel it right now.

I have decided to look into my business again. Right now I want to try spinning up yarn again. I have a pound of merino sitting here I have not opened yet. I put in an order for some flute plugs for my open hole flute, because until I get those I cannot test the flute and fix it.

I decided that I do not want to sell the armstrong model 100. This flute is scarce, and has a tone that I love.
 
Brasspen said:
I will look into a freeze on my credit reporting. Learn about this I will. My affirm interest is about 36% APR. Most of the loans are for less than 10 months each. There are some 11 or 12 month loans. Lots of them are for 6 months. The total bill counting interest is only $3,100.00
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36% interest is just plain usury. If you don't pay on the balance, your balance doubles in less than 2.5 years. Pay it off as fast as you can, and never borrow a cent from them again. There are people in jail for charging this rate, but today loan and credit companies are getting away with it.

I had a Lowes card that promised no interest and no payment if paid in one year. I thought that it was a good deal until I read the fine print. If you didn't pay the entire balance in a year, they charged 39%. I closed the account, cut the card up and tossed it.
 
@jacko yeah I am not going too. I am not worried about it anymore. It will go into collections and then I can just make payment plan.
The problem with the bill is there is so much due each month. Bascially I have to pay 3100 in 6 months.
I was going to visit pro bono office for the bankruptcy. But it's not needed.
Other than the 3100 I also have credit cards. A total of over 10k in debt. All my debt other than affirm is under control.
The last two months the bill for affirm was about $600.00 per month. But I took some money and knocked it down. This month it was $500.00, but I took some money and knocked it down to $421.00
 
Brasspen said:
@jacko yeah I am not going too. I am not worried about it anymore. It will go into collections and then I can just make payment plan.
The problem with the bill is there is so much due each month. Bascially I have to pay 3100 in 6 months.
I was going to visit pro bono office for the bankruptcy. But it's not needed.
Other than the 3100 I also have credit cards. A total of over 10k in debt. All my debt other than affirm is under control.
The last two months the bill for affirm was about $600.00 per month. But I took some money and knocked it down. This month it was $500.00, but I took some money and knocked it down to $421.00
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Add up all the debt including credit cards and how many months of living does it spare you? 10K is way more than 3100.
 
My credit cards have been put into a repayment plan using Trinity Debt Management. Then I have my car bill, and one personal loan that I used to pay down affirm with. I also have klarna, but I have no problems with klarna. My only problem is affirm :(

I want to save my affirm account, but I don't have the money for it. It was my fault that I made so many small loans.

After paying all my min payments other than affirm, I am left with $233.00 for living for the month. I get another $125.00 from my brother, then that is all there is.
 
Brasspen said:
My credit cards have been put into a repayment plan using Trinity Debt Management. Then I have my car bill, and one personal loan that I used to pay down affirm with. I also have klarna, but I have no problems with klarna. My only problem is affirm :(

I want to save my affirm account, but I don't have the money for it. It was my fault that I made so many small loans.

After paying all my min payments other than affirm, I am left with $233.00 for living for the month. I get another $125.00 from my brother, then that is all there is.
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seriously brother, $233 +$125 is not enough in the USA. You Really need a breakthrough or reset. Pray for discernment to get s fresh start and more income.
 
What I must do, is pay off my bills. Don't borrow anything, not at all. Just suffer it until my bills are paid off. After my bills are paid off I can build a really big savings in short time.

but yes, with the bills paid off, I could afford all the house bills, my car bill, land taxes, and plenty for food.
The house is fully paid off, so there is no rent or mortgage.
 
Brasspen said:
I have lost my violins, my bills are over due, I am attempting to file bankruptcy. Someone put a drug on me and I have an addiction now. Also my blood sugar levels are pre-diabetes level again. My schizophrenic symptoms are aggravated, and I am very paranoid about what's happening. I am really stressed out because of these attacks that are happening.

I am taking a risk by trying to find someone who would file bankruptcy with me only making payments to the laywer. Because I don't have anything except the house and car.
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Prayed


Also, if you're having financial troubles... here's an out there idea.

Van life. Sell the house and do Van life. You could get back on your feet financially with that one move.
 
Calmador said:
Prayed


Also, if you're having financial troubles... here's an out there idea.

Van life. Sell the house and do Van life. You could get back on your feet financially with that one move.
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It depends on where he lives. A house is an appreciating asset. The better move would be to take in a roommate.
 
Well I will let you know about my house. It's my inheritance. My father and mother died 1 month apart from each other. My brother paid a layer and did all the work to secure the house in our name. It went into all three of our names, my sister, me and my brother. Right now it's just owned by my sister and I.

It's fully paid and no mortgage or loan or anything on it. No rent! Just land taxes and utilities. I am helping my sister with the light bill and I pay the garbage. The house has estimated value of over 200k. This is only because of city it's in. But, because of cost of rent in the USA, it's worth over 1 million dollars. It's priceless. It has a well and septic tank, 2.5 acres with game food. Rabbits and squirrels. I have a trapping license if I need catch squirrels or rabbits. Plus grass hoppers, be careful eating those you must do it right or could end up in operating room.

It served me and my parents well during covid. It has survived hurricanes. Cat I, but almost Cat II storms. It has fireplace :), but we have not used it this winter. We been using the oven.
 
@jacko But yes my sister's husband is my room mate. My sister is up north near the great lakes right now. They have two houses they are trying to take care of. The one I am talking about, and their house up north.
 
Brasspen said:
@jacko But yes my sister's husband is my room mate. My sister is up north near the great lakes right now. They have two houses they are trying to take care of. The one I am talking about, and their house up north.
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If there is a spare bedroom you can take in another, but be careful the eviction laws can get nasty if you get a bad tenant.
 
@jacko what I am attempting now, is become an antique violin trader. That means I need be able appraise the violin so I can make informed purchase and sells. I look this up, and only way you can learn that trade skill, is by doing it. No course or book on it. Having already failed so horrible already, I have learned something about my niche. The auction ends in 7 days for my violin on consignment.
 
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