31M. I owe about $30K in principle on credit cards and loans alone. Add interest and it’s probably another $30K. I’m austic and also suffer from OCD/anxiety and depression and instead of doing what normal people do, get help and live normal lives, I impulsive spent and it’s finally caught up to me. I can’t afford all my payments after my living expenses and the calls have already started. I’m attempting to file chapter 7 in November when I’m fully paid up to my lawyer but feel there’s absolutely no point. Everyone (including myself) thinks I’m a pathetic loser. I know i did this to myself and have only myself to blame but feel if Chapter 7 fails (most likely will) I’ll have no choice but to off myself. I have no kids, no pets and only excessive debt that I can never pay back. I’ve already suffered from suicidal thoughts my entire life but they’re worse than ever now. I feel it’s the only way out of this nightmare and I’ll be doing the world a favor.
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Sorry you have to go through this, hopefully the bounce back is sooner than later
Follow Dave Ramsey, he’s got decades of calls in to the show from people in a similar spot. He has set a path to get yourself out of the situation that has worked for millions of people. You can give up on yourself and not try but the world is not making it impossible for you to get out of this situation and onto a better life with some effort.
Why would Chapter 7 fail? So long as you meet the requirements for discharge (which your lawyer will certainly tell you one way or another), you will be good to go. There’s no reason to kill yourself over loan debt.
Debt consolidation & Dave Ramsey.
Everyone claims to have autism in these reddit posts.. Amazing….
In Canada you don’t need a lawyer for this. You can go bankrupt and start building your credit again very quickly. I know this is unhelpful info.
Just wish things were easier for the average Joe.
A lot of us are at rock bottom right now bro, all you can do is start from scratch and keep it moving. There’s still a lot to enjoy in life