Paying off credit card debt from ex
| Listing Information | |||
|---|---|---|---|
| Amount: | $7,000.00 | Status: | Loan created |
| Grade: | C | DTI: | 27% |
| Lender Rate: | 17% | Borrower: | starlabrite |
| Finished | State: | GA | |
| Funded: | 100% | Group: | Credit Card Consolidation |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2006-12-22 | EricsCC ROI: | 12% |
| Status History | |
|---|---|
| Dec 23, 2006 | Current |
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Hello. I'm 23 years old and currently have some credit card debt to pay off. It's not something I'm proud of, but it happened. Let's just say that over two years ago, I thought I was doing something good in helping my boyfriend pay the bills, in loaning him money, and eventually even buying his groceries as he fell into the depths of alcoholism. I kept telling myself at the time that he would get better, that I was trying to be a positive influence in his life, but when I had credit card bills that amounted to over $10,000, I realized that all he was doing was making me feel bad about myself and turning me into someone that was constantly broke. I still don't have a lot of money, but that's because I don't have a high-paying job...I'm working on that by getting a degree in computer science, which will later be used in the software department of the engineering firm where I work. I wouldn't be on that path at all if work didn't offer compensation for school, and I didn't have a few nice co-workers that think I have potential, was nice, trustworthy, and all of those wonderful things. I've slowly been paying off my credit card debt...but let's face it, it takes time. And when you have three different cards to pay off, and then some medical bills (I had jaundice over the summer, caused by some medicine I was taking), things can seem overwhelming. I'd like to pay off everything with a loan and just make that one payment in comparison with many others of varying amounts...it would save a lot of headache on my part, not to mention make me feel a lot better about moving in a positive direction, which is the only way I want to go. I never had a bad credit history before alcoholic boyfriend, and I'd like to forget the pain he has caused me now...besides, he's married and has a kid now, so I want to move on, too! Here's a rundown of my debt situation: American Express: $5,500 HSBC Card: $800 Chase Card: $700 Medical bills: somewhere close to $1,000 (and that was with insurance!) My monthly income/expense is like this: Get paid: $1,700 Car payment: $156 (about 4 more to go, then it's paid off) Car insurance: $93 Gas: $100 (somewhere close...I commute and gas prices vary) Phone: $80 (I owe my brother some money, so paying his bill for a while because we have a family plan) I don't spend a lot of money...I don't buy things unless I need them, because I'm trying to pay this stuff off. I live with my mom currently (my stepdad just passed away, so I won't be leaving anytime soon), so I'm not paying rent or bills (well, if I could really afford it, of course I would help out). I'm saving money up a lot faster this way, but obviously not as fast enough as creditors would like. Please help me, as I don't want to constantly be reminded of and think about my debt...it haunts me every day, and I just want to move on and lead a normal life again. |
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