Thread 60781620

I'm 26 years old and I'm 15k in debt due to medical bills (involuntarily committed to a mental health facility) and hitting someone backing out of a parking lot (Only scratched the back of their car but the insurance company wants me to pay 2.3k). I'm also 20k in debt from student loans from a degree that hasn't opened any doors for me (Microbiology). I don't want to pay the medical debt at all but I know that is going to ruin my credit. What should I do? I only make 38k a year.

>>60781620 (OP)
file for bankruptcy*

>Nick Cage never filed for bankruptcy
>be like Nick Cage

>>60781620 (OP)
If it's medical bills look up how to dispute the debt and just put down that you don't think you've ever been there. Due to HIPPA laws on privacy they can't actually look up your records, and therefore can't prove it's you to prove the debt.

Or at least that's what someone told me.

>>60781620 (OP)

find a way to make more than 38k/year?

if you're able to live on 38k, finding a job that makes an extra 15k shouldn't be hard and there's your money to pay off your debt.

Why not first take on a lot more dent and buy sssets with it then declare b after?

>>60781843
>if you're able to live on 38k, finding a job that makes an extra 15k shouldn't be hard
Not OP, how do people find jobs like that? I have experience and shit but I've been hardstuck at max 20 dollars basically forever

ngmi

>>60781872
My local plumbers union starts their apprentices at $22/hr and it only goes up from there. Something to consider. There's even some paid class time in there.

>>60781620 (OP)
I don't believe you can file bankruptcy on medical or student loan debt, but even if you could, I don't think you would want to unless you're cash rich and don't care about your credit score

>>60781940
This. Go plumb stupid. You won't have time crying and shit if you're plumbing.

you will be financially radioactive if you declare bankruptcy, especially over such a trivial amount. get grinding.

>>60781620 (OP)
I paid off 40k of loans stop being a pussy

>>60781620 (OP)
>involuntarily committed to a mental health facility
Why the FUCK are you wagecucking you stupid fucking retard.
You can easily get on disability. They would wave off most of your debts.

>>60781872
>>60781843
>just make more bro
If you're not already making 70+k in this economy just give up and divvymax
Youre basically fucking stupid if you can't put together 10-20k and massively augment/replace your wagie income

>>60781872
idk what's your field? experience in what?

>>60782227
I got diagnosed for schizophrenia but I'm not schizophrenic I just saw a demon and it made me lose my shit for a couple of months. I was too prideful to get on disability but I think it is too late since I've been working for a couple of months.

>>60782271
diagnosed with*

>>60782252
I was an office assistant and I got promoted to the office manager.

>>60781732
just do this shit, completely ignore medical debt. Youd be very retarded to pay one single cent of it. nothing will happen. Had like 8k show up on my credit report, disputed it, it dropped off. don't pay them at all. if you dont have a six figure salary job then just say youre homeless and get medicaid. Ez

>>60781620 (OP)
>board full of euphoric crypto bros getting rich
What kind of advice are you expecting here?

>>60781620 (OP)
15k is literally nothing OP. it won't even buy you a used honda, so why worry about it?

you need to step your game up from earning 38k a year and start thinking bigger right the fuck now

the richest people in the world fuel their lifestyle with debt. consider ben mallah who has a fleet of rolls royces, owns hotels, and lives in a 40,000 sq foot mansion.

bankruptcy makes you nuclear and makes it almost impossible to buy a house for 2-4 years.

>>60785399
didn't finish my point -- ben mallah (this fat rat fuck) has a net worth close to 0 yet he lives live a king. what's YOUR excuse?

>>60785399
Ben Mallah said that he got his start managing ghetto properties for other people, a skill he built from previous experience in that area. OP doesn't even sound like he has a complete grasp on the world around him, let alone how to hold down a job.

>>60781620 (OP)
you literally dont have to pay medical bills bro, it doesn't hurt your credit. they go to collections, get reduced, then disappear. student loans you cant get out of though.

>>60781620 (OP)
at least you have that option. here in glorious communist eu you don't and the government enforces collections by running the agency themselves

>>60781843
its literally impossible to find jobs though. everything has been automated away by evil selfish nerds

Did you sign anything with the hospital allowing them to take your property if you don't pay? If so then you need to find a way to pay. Call and ask for a settlement. Tell them due to mental illness there's a chance you'll never pay them back and you'd be willing to settle for 50c on the dollar. Then divide that up into 48 or 60 payments. Offer to make those monthly payments with no interest.

If you did not sign over your property to the hospital, you can just not pay. The debt will be sent to a debt collector and you can negotiate something similar with them.

You can also Google 'debt relief counseling' and get a free consultation on what your options are. They will try to buy the debt and become your lender, which might be an option for you, but even if not they will give you free info on options.

Basically, bankruptcy is a last option.

Also, you might want to research (in your soul, and with social workers) why this involuntary hospitalization happened, and what steps you can take in order to prevent it from happening again.

Bankruptcy is for people owing $250k - $1m or more, not $15k.
Student loans are not discharged by bankruptcy.
The only thing you'd need a good credit score for really is a mortgage. Home ownership should definitely be a goal so try to avoid bankruptcy.

>>60781620 (OP)
You fucked up and you've gotta pay up wagie.
Youre retarded if you hit cars and take student loans.

>>60781620 (OP)
EAT BEAN

>>60781620 (OP)
who is that man?

>>60782271
>I got diagnosed with schizophrenia.
>I saw a demon but don't actually have schizophrenia
Financially speaking, take your meds

>>60786657
Psychotic episodes can pass on their own, especially if they're drug induced or something. You can't really judge this over the internet. If he's managing to hold down a job it's probably safe to assume he isn't full schizo.

>>60781620 (OP)
So you're actually 35k in debt.

>>60783835
Plus, doctors are cunts and pajeet doctors are bigger cunts hope their medical degree becomes worthless.

>>60781872
40 years ago people actually got promotions.

>>60781620 (OP)
you just have to learn to trade and try to get rich or get some valuable skills, or become a scammer or thief. The older you get the more you realize money is a meme and our society is a joke. Just go get a piece of the pie nobody will remember you existed anyway.