I graduated high school in 2006. I have been working odd jobs since I was in high school, a lot of grocery bagging, things of that nature. I decided that I should try to get some further education, and since I liked computers, I wanted to enroll in computer classes. I asked a cousin what I should go for, he told me he was doing computer networking and loved it. So I went to school for 2 years mostly doing basic classes, a few computer classes here and there. The town I moved to is 200 miles from my original home town. I roomed with a friend of mine who I started a band with, he played guitar, I also played guitar and was a vocalist. A year and a half into this, due to needing to pay for my living, roomate suggested I get student loans. I requested student loans for 3 semesters, roughly received 6,000 per request. So I lived off that money until the next semester. Well I got a phone call, my father had a massive stroke. He was paralyzed on his left side. I decided to go see him. A couple days later, my mother was hospitalized. They diagnosed her with an old case of hepatitis C: her liver was failing, she was at stage 3 cancer. My father refused to go to a nursing home, they were both around 60 at this time. So my mother decided to take care of him. Knowing this, I had a feeling they might not last long, so I dropped out of college to go and be with them. I started working factory jobs, and ended up getting a woman spawned from satan himself pregnant. Debt collectors started calling about student loans. I started a payment program with them, like ten dollars a month, but they took every tax return I filed. Then a few months later, my father died. My mother moved into a small apartment afterwards, and in three months, she also passed. My brothers and I have signed for her funeral, but none of us have been able to pay for it. They don’t even have head stones.
And here I am. Currently a car salesman with a ton of debt. 13k in student loans, a couple thousand in comcast and at&t bills. Child support from the woman I got pregnant. Another baby on the way. I know that people file bankruptcy in hardship, but I also have experience turning them down when they try to buy a car. But I do not know how I am going to get out of the hole i’m in. I’ve asked banks for advice, they have none. I am naive when it comes to finances. I have no one to ask for help. All of my family are basically loners. After my parents died, I might as well have died also when it comes to them. So this is what i’m asking:
What is the best way for me to get out of this? I have never owned a credit card, but my credit is HORRIBLE. Currently I am financing a washer and dryer. I have a title loan for the car i’m driving, but it’s a piece of crap anyway- 02 VW jetta. Any advice at all would be greatly appreciated.
Thank you. https://paypal.me/crbdonate