I’m going to be thirty next year. I’ve spent the last decade of my life living off of credit cards to make up for what my minimum wage jobs wouldn’t cover.
My dad was a logger in a very depressed rural community. My family was and is still very poor. I knew I wanted to get out of my hometown and surrounding area but I didn’t have the resources to move. Eventually I found a way out by enrolling in college and taking out student loans. The student loans helped me afford to put down a deposit on an apartment in Portland, OR. That was the beginning of the cycle of poverty/using credit cards to fill in the gaps.
I closed my cards and was dutifully making the monthly payments before I lost my last job. In the matter of 9 months all of my debt has gone into collections and I’m being threatened with garnishment of my wages which only come out to about $700 net.
Bankruptcy is basically the only choice at this point but I need $1700 to file. I’m behind on bills already and only have $13 to my name as I’m writing this. I don’t know how I’m ever going to save up that amount and I don’t know how to survive on less than $700 a month if my wages get garnished.
Please, anything would be a massive help. I’m asking for $1700 but I know that’s a lot. I want to enjoy my life before I wake up one day and realized I wasted it all hustling at low paying jobs trying to catch up.
Thank you for reading!