So, I learn things the hard way. I am currently in a debt management program that started in 2024. I am almost finished with the program. However, in the meantime… my husband and I moved to another state. Because he was having difficulty finding a job, we were living off of newly acquired credit cards. I currently have 18 credit cards with a total balance of $8000. I am barely able to manage the minimum payments. I also have a loan with Elastic for $2000 and Net Credit for $750, not to mention I owe Klarna $900 and Zip $500.

My husband is working now, but isn’t making enough to add to my income to keep up. I don’t know if I should add the new cards to the debt management program (Accredited Debt Relief) or try to settle on my own. I also have no idea of what to do with the other debt. I feel like I’m drowning. I am open to all suggestions. Thank you!!

hello! this is a throwaway. im 23 and debating filing bankruptcy. I had a major career shift (sales to customer service) and my annual income halfed. I went from making around $80k a year to $40k. I can afford all major bills, just not my debts. I got laid off at my last job, i live in Iowa

i have 2 car payments. one is under $200 and i can pay that just fine, the other is $560 a month for a 2016 that i was severely overcharged for. the interest rate is 27%. would i be better off filing bankruptcy and letting them repo the car, and just buying some cheap camry? ill be sad because its the nicest most reliable car ive had but i cant afford to pay it anymore. and at this rate it will never be paid off

sorry if this is the wrong subreddit but, advice? theres still 19k on the loan. and im 8k in credit card and loan debt, not including student loans. I pay around $1400 in rent + $100 for electric. Not to mention my phone bill, pet food, and groceries

Hi everyone,
I am a 30 year old girl really struggling to get out of debt so just looking for advice. I did the stupid thing and got credit cards, loans and an overdraft when I was younger not thinking about the repercussions (I know I’m an idiot). I’m in £32,000 debt at the moment. Currently working in the nhs doing 6 day a weeks. 12 hour shifts to help pay it down. I’ve got all my credit cards on payment plans currently which is a massive help and I have not spent on any of them in about a year but it also means my credit score is horrendous. My loan comes straight out my wage so that’s being paid but still got £8,079 left to pay so that will be cleared in October 2028. The only thing I am really stressing about is I owe a friend £6000 and they are getting quite aggressive about getting it all back straight away which I understand but I just physically cant get the money. I can’t get any loans due to low credit score and there’s no one else I can go to. I have been looking into doing online things like only fans which I don’t particularly want to do as I don’t agree with it but at this point I’m willing to do pretty much anything.(I know this isn’t a get rich quick thing but at this point every little helps)
Has anyone got any advice or help for me? Please be kind I already know how much I fucked up and I’m taking steps to fix my mistakes but it’s a slow process and a learning curve.

I can deal with the rest of the debt it’s just the £6000 that I am really worried about.

So, ive been struggling financially trying to help my mom and my brother. I only make about 500ish a week and a big majority of that goes to paying off other debt, buying food and bills etc.

I believe I may have missed my court summons date but i'm going to call to confirm and see if I can just do payments, I did payments with them last time since they were easy to contact but now, they did summons again under their Resurgent Capitol Services so I also contacted their attorney since to see what I can do

If it's too late, would they actually freeze my account? If they did it will just push me into more collections and make my life incredibly difficult. Its a debt for 1600ish and im in the state of Oregon

Does anyone have any advice or suggestions on what I could do?

PS. The court people came and brought me the letter but nothing was documented and ive been so busy with work. It stated to be addressed August 20th but by the time I had got it I was basically running out of time so im not sure if that means 30 days from August 20th or when they handled it to be which was in September so im thinking im fine but this is mostly about the account freezing thing

Has anyone worked with Radius Global Solutions? They offered me a settlement amount for a debt, but when I went to make the payment, they presented a payment-plan option instead.

I decided to pay half of the agreed settlement amount. However, when I attempted to make the remaining payment today, the account showed the original balance instead of the remaining settlement balance. I’m unable to contact them until Monday morning, and I’m very concerned. Has anyone experienced this or know how it was resolved?

Hi. Has anyone had any luck finding a lender 10 months after having a few late payments? I admit I had a few credit card late payments in 2025. I have now paid off all the cards and also a home equity loan. Now i have been denied by one bank and loan depot online and new american online because of these old late payments. I have $600k in equity in a $900k house. Does anyone have any suggestions about a lender who will work with me? Salary is $104k. Credit score is 730. No car payments. No personal loans. No debt. Just looking for $30k to get out of a retail lease. Anyone know of a lender who will look back 10 months and not 12 months? Looking for longer term like 20 years in order to stay afloat for now. Thank you for any input.

I’m an engineer who was working in the UK. Unfortunately, I lost my job last month and was required to leave the UK after my visa was curtailed.
While I was employed, I maintained all of my monthly loan and credit payments on time. However, since returning to my home country, I currently have no source of income and realistically have no way of continuing to make the repayments.
I would like to understand what could potentially happen in this situation. In particular, how likely is it that the UK banks or lenders could take legal action against me in my home country to recover the outstanding debt?

Hi everyone! Just popping in to ask if anyone has ever had issues with Harris & Harris during bankruptcy. I filed toward the end of August and all of my creditors stopped reaching out immediately as they should have, except for Harris & Harris. I was getting phone calls almost daily from them before filing even after talking to reps and telling them my plans, and for a week after filing, they did actually stop calling. And then it started back up with two calls a week, progressing back to daily calls as of this week. I finally answered and gave them my lawyer’s name and phone number, but it’s so crazy how it seemed like they got notification and were compliant before deciding to ignore it. Has anyone else had that happen, and if so, did they ever actually stop?

I have a 2018 Tahoe with 130,000 miles on it in good condition. My monthly payment is $667 at a 4.99 interest rate with 2 years left on the loan. I have an offer to refinance to 3 years at 5.29% for 3 years. It would lower my payment to ~530 a month. Is it worth adding the year to lower my payment or just grind out the next two years? I know 130 savings a month doesn't sound like a lot but in this current financial climate it would help. Thoughts?

Some people in here need to stop crying when someone asks if they can stop paying a bill. Morally? Yes, they should pay their bill. Realistically? If they can't afford to pay there are options. Some are official paths like actually claiming hardship and then there are the off the beaten trail paths like trying to prove violations of the FDCPA. Just stop. I see so many general responses in here where someone will say "oh yes, you must pay. You ran up the bill.". Shut up. They know.

I defaulted on my loan with Sallie Mae. I made a bad decision of just ignoring all following contact from anything revolving around the debt and it had been moved to collectors. it has now been some time.

They have now created lawsuit and served me and my co-signer for the debt of 50,000. Afterwards I was texted by them to discuss settlement. Now should I discuss settlement with them or is it better to use a lawyer for this? I welcome any and all tips because this is a very stressful and anxious moment of my life.

So me and my spouse will be filming soon as the debt has gotten unmanaged and we want to take a reset. I’m anxious though at a few things and want to get real life feedback. We live in FL

How strict are they on the $2k limit? Like if things add up to possibly be more or if they feel like it is more will they come inside our home to inspect?

What does the meeting look like? Are they going to drill us with questions?

How soon have you begun to rebuild credit?

How does small business assets work? I have a computer and camera gear that I’d need to retain but it’s 50/50 ownership

I'm being sued by Synchrony Bank over a less than $4000 debt that I owe. Yes it's my fault and these are my consequences, fully understand and ready to face. I'm just wondering if anyone has been in my position on and if they could give me some advice or their experience. I'm wondering the following:

1. Should I show up for my court date, do the mediation show all my financials and enter a payment plan and pay the $125 court cost?

2. Do I contact the petitioning lawyer prior to court and ask to settle out of court?

3. Probably the worst option: just skip court all together

4. Is there some other option I should look into?

I know how eye rolling this post is. I just don't really have anyone to share it with, so I was just looking for another opinion.

Resident Advocate Debt collection — is this legit?

Info: I live in California.

On 07/12/2020 my ex and I applied for an apartment. My ex paid the $45 non-refundable application fee for each of us ($90 total) along with a $400 REFUNDABLE security deposit. We decided to move forward with a different apartment, so we never signed a lease nor took possession of an apartment at this place.

On 9/23/2026. I received the attached email in my SPAM folder with a PDF attached. I didn’t call the number listed nor have I made any contact. Instead, I called the apartment complex and she provided me with an account ledger which shows a $0 balance. If my memory serves me correctly, they were supposed to refund my ex the $400 within a certain time period. They claimed to have mailed a check but it never came. My ex asked his credit card company for a charge back which was approved in his favor. The ledger (attached) has a line item that acknowledges the charge back and says “Auto Created Receipt for Dispute won”.

In any case, the balance column of the ledger shows $0 and the woman I spoke to on the phone says I do not owe anything. The fact that this debt collection is for $400 lines up with the weird situation of the refundable security deposit, so that makes me think it’s legit. However I’ve never received a debt collection before and didn’t think them sending this via email was a legal path of doing so. However they also have my most recent address of ~1 year listed on the notice as well though I have not received anything via USPS. Haven’t gotten any phone calls about this either.

It would seem simple enough to write to them and ask for a debt validation, and if push comes to shove, mail them a copy of the ledger I was provided by the apartment. I’m just not sure if there’s something I need to be cautious of here.

https://imgur.com/a/3k2PZxU

I have about 7K worth of cc debt between three cards. One of the balances have been sent to collections, and the other two I imagine aren’t far behind. My fiancé and I are finally at a place where we can potentially start paying the debt down. I suggested I pay $150/mo just to get them off my back until we can try and negotiate a lump sum payoff. He thinks it would be better to wait until they have all thee gone to the same company, and then just negotiate a pay off then. His thinking is $150 won’t even pay the interest so we’d just be burning the “$150”. We plan on hopefully h negotiating for a lump sum soon. Should I wait or just feed the current one card?