Holy crap I'm poor and need help

[TimFromBoston]

I had canceled my renter's insurance and the lawsuit was for the cost of the repairs which included new floors and everything. It's in the lease, therefore my responsibility. Here's a picture of one of the letters I got, the circled stuff was emphasis from a while ago http://img353.imageshack.us/img353/3456/photo25rh8.jpg

I do love smoking hookah too, I don't think there's anything wrong with mentioning a hobby I have. I understand that it's just another waste of money, but it's just something. I see what you're saying though.

[memecherry]

Renter's insurance would cover YOUR belongings in the unit... Any damage done to the unit by something like an ice storm freezing pipes and pipes bursting is covered by HOME OWNER'S INSURANCE!!!!!!

My boyfriend owns a number of properties, one of them just burned down because the tenants left a BBQ unattended in the back yard. They are shit out of luck in regards to their belongings and having to find a new place to live whle the house is repaired, but HOME OWNER'S INSURANCE covers the damage to the property...

I still call bullshit...

[memecherry]

Originally Posted by TimFromBoston

Here's a picture of one of the letters I got, the circled stuff was emphasis from a while ago http://img353.imageshack.us/img353/3456/photo25rh8.jpg

You could have fought the claim... You had no way of controlling the weather, and you weren't even in the unit at the time of the damage.... You sir are not very bright, and you let life steam roll over you...

Stop smoking the hookah... You shouldn't kill the two brain cells that are fighting in your head...

[TimFromBoston]

My lawyer advised me to just include it in the bankruptcy, so that's what I did.

[memecherry]

Originally Posted by TimFromBoston

My lawyer advised me to just include it in the bankruptcy, so that's what I did.

You have a stupid lawyer, and you are stupid for listening to him.

[memecherry]

And if it's a bankruptcy lawyer, well then DUH! Of course he will tell you to include it in the bankruptcy!!!

Like I said, you sir are not too bright...

[TimFromBoston]

Well, I'm trying to improve it, I'm not trying to make excuses for myself or anything, just trying to move on. My attorney made a suggestion and I went with it because he's my attorney, I didn't know otherwise and a friend of mine suggested to do the same. Like I said before, I realized I made bad decisions and am trying to do better.

[Rock 'n' Rye]

So you don't want donations, and you don't want sympathy. what's the point of this thread? If you want advice. Join the Army, That way you can get real benifits when they kick you out.

[memecherry]

You do realize that there are stupid lawyers in this world that are out to make a paycheck, and don't give a fuck about your well being, right?

Just because your attorney made a suggestion, doesn't mean you had to do what he said!! If he is your bankruptcy lawyer it's in HIS best interest for you to have a bigger debt so that your only option is bankruptcy!!!!!

Like I said, put the hookah down! Not only will you not be smoking away the little bit of money you have, but the two brain cells in your brain might have a chance of surviving, and maybe then you will learn how to make sound and wise decisions on your own!!

[spooky]

1. Tell your parents you fucked up. Tell them you could use some advice, ask them for guidance, don't ask for a handout. The more aware of your situation they are, the more involved you make them, the more likely it is they will bail you out if you wind up totally sunk, but let them offer, do not ask.

2. Stop paying even the minimums on your debts. Send something every month to keep it active, $20 maybe. It won't stop them from harassing you, it won't stop them from selling it off as bad debt, but given the financial crisis, it may delay them, if only briefly. And that gives you a chance to save up a couple grand ASAP, which is what you need to do for a new start.

3. Save a check, use that just for food. Hide the money from debt collectors, and use it on the cheapest food you can get by on for a couple months. Buy cans of tuna, chicken breasts, cans of beans and veggies. Pay attention to calories per dollar and invest wisely in your food. You can easily have three big square meals a day on like $8. And you can easily live on two meals a day for a few months.

4. Get used to reading second hand books from the used book store, because you don't need internet until you are back on your feet. Or cable. Or ipods. Or laptops.

5. Sell everything you own. Everything except a small amount of clothes. Fire sale, everything must go. Big yard sale. Or a booth at the flea market. All that shit you own is a weight that does nothing but cost you money and prevent you from moving on to a better situation.

6. Rent a storage place for your furniture, they aren't but $60-$100 a month. You are mostly holding your parents crap you said, so if need be, you can pass that bill onto them.

7. Get your ass to your new town. Rent a Uhaul to get your shit to the above mentioned storage facility in your new town. Buy a shitty car there. Buy the Haynes or Chilton's manual to work on it, a basic set of tools, and get used to working on your own car, changing your own oil, and possibly sleeping in it. You mentioned a van, I would suggest a little ford escort. Gas is too expensive, and it limits your options if you want to deliver pizza, but it does allow you to stand out in front of a Lowes or Home Depot and hire yourself out for deliveries. Your call.

As far as work goes, you are pretty well fucked. You can't get a job working at McDonalds and make anything close to you unemployment benefits. I'd say get a job delivering pizza. That'll get you close, but it might be tough getting your foot in the door. If you work for a food place, you won't ever go hungry. I've never done the Home Depot circuit, so I have no idea about the money potential there.

Work your ass off, it is better than being bored reading second hand books. Walk on to construction sites and ask if you can help out, tell em you'll work for cash, and take any amount they offer, even less than minimum wage. The painting and lawn work suggestion is fine, but requires equipment. Being a construction site bitch usually does not.

Oh, don't close out your checking account if you are planning on fucking up your credit, I think most banks do credit checks now to start a new account.

And rent in a shitty part of town, you probably won't get robbed, and you won't have anything worth stealing anyway. You'll save hundreds extra a month.

Also, never declare bankruptcy. Its on your record for 7 years, sure. But on every credit application ever, they ask "have you ever declared bankruptcy?" and that pretty much fucks you for life unless you are making a hell of a lot of regular money at a job you worked for a decade or more.

Anyway, that's my 2 cents, I think.