My name is Joseph Vasquez, im currently working as a customer service rep at a mortgage company, i make 15 an hour.
Due to unforeseen events ive come to understand that i need help badly, i made stupid decisions which left me in a huge financial disadvantage, and im inching towards bankruptcy if i can get even a portion paid off that would be a blessing.
So heres the story, back in may 2018 i went to a bar with some group of co workers, one of my co workers pressured me into drinking more then my comfort zone, now i only agreed because he offered me a place to stay for the night, so i happily drank away without thinking only to black out and wake up in the emergency room because he had left me there, that was 1500$ to go to a hospital not even 0.6 miles away (thats right not even a mile)
Now that was the beginning to the pitfall that i stupidly dug myself in
then i made the decision to pull out a personal loan (ROCKETLOANS) to consolidate debt that i had already accrued with credit cards since it made financial sense
after that it was smooth sailing and i was in great financial shape for a bit because i had consolidated everything but then not even a month later my car got totaled by another friend of mine (Unlucky right?) and i had to go back into debt because i didnt have any money saved so i had to go back into debt to get a new car before my week of work started.
Stupidly i panicked and applied for another personal loan UPSTART to quickly get money and pay for the new car and repairs but i didnt realize that now i have 2 loan payments to pay.
Please i just wanna start saving money and not live paycheck to paycheck, everything is going to this debt, i cant even afford to feed myself some times, its driving my crazy , so please help me out, anything helps.