Realistically speaking, like many creative people of the past...I'm pretty much bankrupt. I'm calling an attorney, tomorrow, to discuss it. No debt mitigation. Just end it. Kill my credit. Hope I can keep one card available for work/travel. I'll have to see.
I might be able to get a card through my credit union, if I guarantee it with what's left of my savings. Dunno about that, yet. I need the legal advice, first.
What pisses me off is, I was on track to pay everything off within 16 months when Covid hit and shut everything down. I was managing to help my brother, on top of it. But my income dropped by 40%...and would have been worse had it not been for Unemployment being made available to me and that stimulus check Democrats pushed through.
Continuing to help my brother kicked me down, financially, but it was that or he'd be homeless. And my sister was doing all she could, as well. Got his eyes fixed and got him fitted with dentures. Bought him a second-hand trailer to live in so all he paid for was a space in a mobile home park, and utilities.
Now he's on SSI and in subsidized housing, and has been for a year...and I've been fighting to get my debt down. But pushing APoS with what little publicity I could get going for it was expensive and didn't do much. Then interest on one credit card rose to 20%. So the balance just kept inching up. And my income, last year, between SSI and Caladex, was about what I brought in 15 years ago. I'm amazed I've kept what I owe from doubling instead of growing by just 50% since 2020.
But eventually you have to admit that it's beyond your control. Especially since the incoming MAGAt class of politicians want to cut SSI back. Get ready for the apocalypse.
And curse all the motherfucking Democrats who didn't bother to vote or chose to teach Biden and Harris a lesson, over Gaza...and are realizing too late what a stupid fucking plan that was.
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