19

Easton Cooper
Easton Cooper

19
8k Debt
Parents are junkies
GF just cheated on me
AMA

Carter Garcia
Carter Garcia

what size shoe do you wear?

Camden James
Camden James

US 10.5
Half sizes are cancer, never find the right fit.

Zachary Price
Zachary Price

21
56k debt
half of that being a car I don't even drive
Because it's my ex's who cheated on me and refuses to refinance to get me off the loan
730 credit score slowly fallen to a 640
Can't get approved for shit due to having more debt than income

I want to kill myself every single day.

Samuel Price
Samuel Price

any movies you can recommend?

Angel Garcia
Angel Garcia

what exactly is your income / occupation?
thought about aiming for a better job / military?

Ethan Ross
Ethan Ross

American Psycho,
Donnie Darko.
Must watch.

Christian Gray
Christian Gray

How did you get caught with her debt if you don't mind me asking. Ever considered getting legal aid?

Angel Martinez
Angel Martinez

Have seen both recently.
Meh.
Enjoyed them more when I was a edgy teenager.

Carter Thompson
Carter Thompson

double entendre on top of double entendre with those movies.

Ian Reyes
Ian Reyes

stop dwelling in sorrow and get your shit together.

1) Get a hooker now. No questions, do it faggot.
2) Tomorrow, apply for jobs
3) In a month, move out from your parents, look for the cheapest apartment you can find, as long as it has decent sanitary installations and is close to your work
4) pay off your debt over the next year
5) in 2 years, when you are debt free and forget about your cheating ex, look for a new, healthy relationship

Regardless what you do, dump your gf and minimize contact to your parents.
Don't let their negative influence get to you.
Also, why you're still reading this!?
Get a hooker!
NOW!

Landon Richardson
Landon Richardson

This speaks volumes to me for some stupid reason. I'd seriously get a hooker but i'm negative balance on my bank account and don't get paid for a week.

Joshua White
Joshua White

any desperate ex-classmate who'd be dtf?
pump and dump that shit.
establish dominance about your life.

Leo Williams
Leo Williams

Have you ever tried drugs? Seriously, when everything has let you down, you know drugs will always bring at least one more smile. So if you won't live for anything else, live for the next smile. Try drugs today.

Evan Clark
Evan Clark

kek.
this.

Grayson Morales
Grayson Morales

at 23 i was in debt for 200k so you are fine, just dump your gf

Liam Young
Liam Young

My gf's ex best friend starting talking to me a few days ago, if i was a real piece of shit i could pump and dump. Send her a picture of her friend covered in cum.

Gavin Perry
Gavin Perry

26
No job
No friends
no life
No car
Virgin
Who else here crippling depression?

Ryder Russell
Ryder Russell

I've tried drugs, i felt good for a while but empty afterwards. Temporary fix.
How'd you get out of 200k debt and how did you get into 200k debt??

Samuel Rivera
Samuel Rivera

I feel you user, all my friends are fake.
My girlfriend is probably talking to atleast 3 other guys.
My parents are addicted to substance.
My debt is inherited from them.
I'm struggling at school because i have to support my younger brother financially working 2 shitty supermarket jobs.

Adam Barnes
Adam Barnes

At least I don't have any debt but I don't have any money either

Thomas Morales
Thomas Morales

American?

Australia here it's fucking shit we are quickly turning into seppoeurope very quickly

Chase Carter
Chase Carter

Favorite Oblivion or Morrowind

Lincoln Lee
Lincoln Lee

Aussie as well mate. Tell me about it.
Oblivion was my shit, i never got to experience Morrowind for what it was.

Jason White
Jason White

Sun and fish.
Get at least 10 minutes of sunlight per day (read a book outdoors / meditate, whatever), and eat fish once a week.
Sounds stupid, but helps against depression.

Science:
vitamin d10 is produced by your skin if exposed to sunlight. vitamin d10 deficiencies cause depressions amongst other symptoms
Fish-oil contains omega-3 acids, which are vital for certain neuro-transmitters who supres depresants. If cheap fish is not available / you are allergic to fish, use fishoil capsules instead. They don't trigger allergies and are prescription-free available in most stores.

I do this since 3 years.
My depressions never came back.

Parker Walker
Parker Walker

Would u let me fart in your moms eye

Owen Taylor
Owen Taylor

I bring in low $40,000 a year as an entry level mechanic.

I was a dipshit and cosigned on a vehicle with her during the prime of our relationship. She cheated on me, got back with an ex, and any attempt to contact her to suggest refinancing or trading it in gets ignored.

Sebastian Phillips
Sebastian Phillips

Really Op dont do any of that faggot shit
I am on a 3 week bender righr now and I know for a fuckinf fact that shir wont make you feel better .
stkAlk Your gf now and threaten her. Let her know whose the in charge and start drinking immiediatly. Go fight some niggers
You’ll feel better and god speed you queer

Leo Torres
Leo Torres

I love you.
I try my best to go for a walk daily, today it was raining heavy. Weather sets the tone of the day for me.

Luis Hernandez
Luis Hernandez

and your monthly expenses are?

Juan Jenkins
Juan Jenkins

sounds good, doesnt work

Brayden Walker
Brayden Walker

33
70K in debt
Raised by grandparents, now deceased
Still not married
you could have it worse, faggot

Carter Adams
Carter Adams

OP here, if anyone wants to shout me a pizza. That'd be great. Discord me, i'm always lonely.
paypal.me/EP5

Daniel Allen
Daniel Allen

mfw younger brother is ill
can't afford medicine
tried killing myself 3 months ago
I somehow fucked that up too.
:_|

Dylan Garcia
Dylan Garcia

24
0 debt
neet
dad left mom for aunt in law

Henry Ramirez
Henry Ramirez

Weather sets the tone of the day for me.
Yea, eat more fish...
I love you.
Sure, I love you too.

tried it?
works for me at least, and for most of scandinavia who use this to get over their (rather heavy) winter-depressions.

Logan Stewart
Logan Stewart

Will you post picture of your dick?

8k is nothing.

Dylan Morris
Dylan Morris

Monthly expenses total around $1400.

Her car loan is $36,000. I have one myself but only for $16,000~

Ryder Baker
Ryder Baker

What are you doing to fix this?
How tall are you?
How attractive are you?
Do you get pussy often
Do you drive

Jace Perez
Jace Perez

spoke with the creditor and explained him the situation?
Is the loan running on your name?
Is the car registered under your name?
Offered him to return the car?
Is she driving the car?

David Morgan
David Morgan

Also, any expenses you can cut down?

Isaac Hill
Isaac Hill

Working currently as a Draftsperson (Junior Architect) on some decent money.
All of my money goes into paying debt and keeping my brother in school, fed, and sheltered.
I'm 5"10. So pretty average.
I'm like a solid 8 on a good day, i'm confident and social.
I'm dating a girl now, but i'm sure she's cheating on me.
I drive and love driving.

Levi Diaz
Levi Diaz

I have yes. There's nothing that can be done since I signed myself into this as a cosigner on her loan.

The loan is under both of our names, with hers as the primary. The car is registered in her name and it is her daily driver.

The only way my name can be taken off is if she refinances or trades her vehicle in. I guess it's one big waiting game...

Jacob Gonzalez
Jacob Gonzalez

Good, seems youre not letting your problems get the best of you.
I wish I was 5'10. I'm only 5'8, what's your background?

Nathaniel Turner
Nathaniel Turner

And I can cut down on a few, but monthly payments to income is definitely doable.. It's just the credit unions see that I have $50,000+ in debt yet only pull in $40,000 a year and see that as a negative. Literally all I can do is keep paying my shift off and hope she gets her shit refinanced.

Colton Campbell
Colton Campbell

Australian born, Greek father, British mother.

James Diaz
James Diaz

sue her.
you consigned under the condition that you were in a relationship and sharing your finances.
this has ended, so has the verbal agreement between you.
Therefore you can force her to refinance it, since the original conditions between the 3 of you (you, her, the creditor) are not met anymore.
You were not married.
She has no title to demand alimonies.
And she has broken the conditions under which you offered to be her cosigner.

Directly speaking, she currently is stealing your money. You could in fact get your past payments that went into this loan back from her.

Jeremiah Harris
Jeremiah Harris

8k is easy AS FUCK to get that is not debt
just what evey one said fuck that thing you called a gf off

but the easy and fast way to get your self some cash sell drugs for real i have a mate who makes 10k a week just selling bud

Justin Hill
Justin Hill

Is pic related?

Blake Cox
Blake Cox

Oh shit, I never thought about it like that..... user thank you, truly. I'll look into this further.

Zachary Howard
Zachary Howard

lol
23
238,000 in debt
no plan to pay a penny. ever.
just fuck my shit up fam

Elijah Collins
Elijah Collins

Np.
Also, fish and sun.
Just in case...

Hudson King
Hudson King

no plan to pay a penny. ever.
no idea or no intention?

Gavin Adams
Gavin Adams

Bullshit

Robert James
Robert James


sue her.

56k in debt

Lol. And she's probably not worth shit either. Shit credit, shit income, no savings.

Blake Walker
Blake Walker

(OP)
lol

,000 in debt
Bullshit, how did you rack up so much debt?

Dylan King
Dylan King

We are going after 30-40 degrees Celsius heatwave and record uv
Ai Fack here in ther brudddah

Nathan Bailey
Nathan Bailey

I don't even care about getting any money back. I just want the bitch and her car off my credit report

Lincoln Wright
Lincoln Wright

And she's probably not worth shit either.
doesn't matter. In that case the creditor will force her to trade in the vehicle and user just cut his debt down to 16k for a car he actually uses.
Also, this user is not broke. He has a 40k yearly income. Certainly enough to let a lawyer look into this.

David Clark
David Clark

NSW
No pic is not related.

Nolan Myers
Nolan Myers

Won't make a difference, debt can still be transferred to her, she'll probably have to declare bankruptcy if it pans out and she'll never get a loan again/her future partner might not ever get a loan again which would be well deserved

Brayden Barnes
Brayden Barnes

Shit forgot* have to sell vehicle or declare bankruptcy* but even with selling the cars probably devalued with time and she'll still be in massive debt,

Samuel Howard
Samuel Howard

Legalfag here. This is legit, do it. Contact a divorce lawyer, they know these types of laws better than bankruptcy lawyers.

Asher Roberts
Asher Roberts

19 is literally super young, I have 40k in student debt, it's doable. You have no obligation to your family, you can literally leave anytime. If she cheated on you, that's her mistake not yours, be kind to yourself and move on. Plenty of other meatsacks in the country to be her better.

Julian Moore
Julian Moore

medical bills. hence me saying I have no fucking intention of paying them back.

Andrew Ramirez
Andrew Ramirez

Same bruddah 2450

Isaac Baker
Isaac Baker

I wish

Leo Hernandez
Leo Hernandez

Hey there American, what was it a broken toe?

Jaxson Hernandez
Jaxson Hernandez

2213
Oath cunt

John Diaz
John Diaz

26 years (27 in 10 days)
20k debt
never had gf, only kissed once

you still good op

James Gutierrez
James Gutierrez

I can go through a divorce lawyer even though the it was just a simple relationship?

Connor Harris
Connor Harris

Why havnt you killed yourself?
Why did you allow yourself to be cucked?
How did you get in debt?

Justin Lee
Justin Lee

The guy caught a cold when he was 3yo

Cooper Reyes
Cooper Reyes

That is not correct in terms of debt to income that you are referring to. Creditors look at your monthly income vs. your monthly debt (including rent or mortgage pmt), not annual income vs. overall debt. Credit Unions can lend to people with a monthly DTI as high as 60%. Unsecured debt ratio is also a big factor, so if your credit card balances are high even if you pay them on time, it reflects poorly because it appears as though you are relying on credit cards to get by. But I'm just a consumer loan underwriter so what do I know about any of this?

Oliver Gutierrez
Oliver Gutierrez

How are you niggers racking up debt like this and why js bankruptcy not an option??

Robert Baker
Robert Baker

Dank what car u drive

Samuel Green
Samuel Green

pretty much. it's all good though. I would like to see them collect from my broke ass.

Michael Butler
Michael Butler

What are the odds that after your body is fully decomposed and all particles that were you throughout the years became one again?

Evan Murphy
Evan Murphy

Tried killing myself, didn't take enough pills.
Let her feel good about herself.
Inherited debt from my parents.

James Cooper
James Cooper

Well best of luck to you. I hope it works out in your favor.

Nolan Reyes
Nolan Reyes

yes.
just because he's called divorce lawyer, he can handle all sorts of legal disputes. He's just specialized in these types of laws.
The lawsuit itself will land in front of a civil court anyways, regardless if it's a divorce or not.

Kayden Jones
Kayden Jones

Fiesta ST

Camden White
Camden White

Appreciate honest answers OP. Genuinley hope things get better for you.

Kayden Rodriguez
Kayden Rodriguez

Bankruptcy can breddy much fuck your future
No more loans so never owning your own home etc
Plus you can't declare bankruptcy if you're employed
Become unemployed and no monies and no loans so you're fucked

Chase Hernandez
Chase Hernandez

Dope I have a ls1 t56 vx but it's in a million pieces blown engine

Kayden Robinson
Kayden Robinson

Thank you user
And thank you so much too... I was genuinely convinced I was never going to get out of this mess.

David Gonzalez
David Gonzalez

Fuck, ls1 is a beautiful engine. Was always a barra guy but can appreciate the ls.

Asher Thompson
Asher Thompson

Thanks user.
People like you still exist on Sup Forums?

Josiah Smith
Josiah Smith

I like the intec and Barra i6s but their a little boring.

Luis Lewis
Luis Lewis

I try dude!

Kevin Martinez
Kevin Martinez

Np, I'd advice you to do the following:
Don't contact her anymore.
Let a divorce lawyer look into this.
He then will contact her and - with your approval - offer her to settle this outside of court if she complies with refinancing the credit (probably by trading in the car immediately). Ofc he will charge you for this service, but letting him do it is definitively the safest way, especially if she refuses and this ends up in front of a judge.
Don't give her a warning.
Don't respond if she contacts you directly.
Any recordings she makes of such a conversation (especially any verbal agreements you might make, even unknowingly) can be used in court against your case.

Good luck.

Aaron Reed
Aaron Reed

What does it actually feel like to be cucked? Cucks seem to enjoy it.

Tyler Martin
Tyler Martin

None of this is true.
Bankruptcy is only negative on credit report for seven years.
You can still get loans, just at a higher rate.
You can still be employed.
Fucking google man.

Nathaniel Phillips
Nathaniel Phillips

Double check to see if you are in a two-party recording state. It is illegal to record people without their permission in some states.

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