I'm in debt.

>>82220515 (OP)
why are you in depth

>>82220515 (OP)
me too, my credit score is in the shitter because I'm an idiot :D

can someone explain to me how people get into retarded amounts of debt at the age of like 22
are you just shit with money or what

>>82220515 (OP)
me too, but i just ignore their phone calls. what are they gonna do? nuke my credit score? i've never bought a single thing on credit in my life. boohoo. i am NOT paying it back lmao

>>82220539
When the rug pulled underneath you. Lose all your support with no income. What can you do besides put rent on the credit card you had when times were better?

>>82220515 (OP)
My net worth is over 100k with no debt and an 800 credit score. How'd you end up in debt?

My brother got fucked by his awful gf and she convinced him to buy things until he had no money and then buy shit on credit then open more credit accounts. Hes an idiot for being conned by her but she's a monster for conning someone else se supposedly cares for into over then thousand dollars of debt because she's a retard who did it to herself already. He broke up with her a few months ago because of this and our parents bailed him out so he doesn't have an insane interest on the debt. Now he's in debt to them.

Some people are just weak and irresponsible.
I have over 100k in the bank and have never owed a debt on anything.

>>82220515 (OP)
I am 40 k in student loan debt I have no intentions on paying back.
I am a super neet getting just shy of 50k per year bc I am a VA NEET and due to the horrors of my 3 years in the national gaurd i get UBI for life.

It is non taxable and isn't counted against me for debt collectors. I love listening to them seethe when they call me.

Thank me for my Cervix.

>>82221566
utterly basado.

>>82221269
roommates dumbass. living alone is for people with a triple digit IQ

>>82221251
>i've never bought a single thing on credit in my life
Then how did you get in debt?