Melissa

And, again, didn't answer those emails, which I wish I did. But a few years later, now we're in 2025, but I did get an email from a company saying that they sold off my loan to a debt consolidator. And they basically were giving me very little options as far as, like, paying it off.

It's for a little over $8,000. Okay. And what are they saying to you? So they offered to pay it in full by end of December, which I couldn't do. And then they also offered 90 days to pay it in full. But they keep going back to paying it in full. And I told them, you know, I have like medical bills and stuff that I'm trying to take care of. So this is what I can afford.

It's for a little over $8,000. Okay. And what are they saying to you? So they offered to pay it in full by end of December, which I couldn't do. And then they also offered 90 days to pay it in full. But they keep going back to paying it in full. And I told them, you know, I have like medical bills and stuff that I'm trying to take care of. So this is what I can afford.

It's for a little over $8,000. Okay. And what are they saying to you? So they offered to pay it in full by end of December, which I couldn't do. And then they also offered 90 days to pay it in full. But they keep going back to paying it in full. And I told them, you know, I have like medical bills and stuff that I'm trying to take care of. So this is what I can afford.

And there's just a lot of back and forth. And I just don't want to delay it because I just don't want any legal issues or anything. Sure. And then just some backstory. I am currently I live at home with my parents. I'm a single mom and I am planning on moving out this year. So this whole thing just feels like such a setback for me. OK, so it's a little discouraging.

And there's just a lot of back and forth. And I just don't want to delay it because I just don't want any legal issues or anything. Sure. And then just some backstory. I am currently I live at home with my parents. I'm a single mom and I am planning on moving out this year. So this whole thing just feels like such a setback for me. OK, so it's a little discouraging.

And there's just a lot of back and forth. And I just don't want to delay it because I just don't want any legal issues or anything. Sure. And then just some backstory. I am currently I live at home with my parents. I'm a single mom and I am planning on moving out this year. So this whole thing just feels like such a setback for me. OK, so it's a little discouraging.

So I actually just paid off my two smallest credit cards because I started that process. Good. So my largest would be my car. Um, I have a few years left on that. And then right now my smallest credit card balance is probably like 400. So.

So I actually just paid off my two smallest credit cards because I started that process. Good. So my largest would be my car. Um, I have a few years left on that. And then right now my smallest credit card balance is probably like 400. So.

So I actually just paid off my two smallest credit cards because I started that process. Good. So my largest would be my car. Um, I have a few years left on that. And then right now my smallest credit card balance is probably like 400. So.

Each month I bring home $3,800, but I also do get some child support as well. How much is that? That is $800 a month.

Each month I bring home $3,800, but I also do get some child support as well. How much is that? That is $800 a month.

Each month I bring home $3,800, but I also do get some child support as well. How much is that? That is $800 a month.

I know. That's what I'm wondering.

I know. That's what I'm wondering.

I know. That's what I'm wondering.

So my biggest payment is my car. Another setback was last year when I had my baby, I went on an unpaid maternity leave. So I went about three months with no income. So I had debt. The whole point of me moving home was to pay off my debt, which is also $8,000.

So my biggest payment is my car. Another setback was last year when I had my baby, I went on an unpaid maternity leave. So I went about three months with no income. So I had debt. The whole point of me moving home was to pay off my debt, which is also $8,000.

So my biggest payment is my car. Another setback was last year when I had my baby, I went on an unpaid maternity leave. So I went about three months with no income. So I had debt. The whole point of me moving home was to pay off my debt, which is also $8,000.

Because with my minimums and my car, I would say maybe about like two, three thousand.