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Advice on how to get off the Debt

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    Advice on how to get off the Debt

    Here is the summary of my current credit card, i work 40hrs a week my pay rate is $13.31 an hour, i claim 0 and bring home after taxes bi weekly $785, i am in huge debt as i had lost myself by buying LOVE with money and now i have no money at all luckily my mothers account is on my name as well and i try to transfer funds from her account to mine until i get paid which she has no idea that i am doing that and her account is also getting low

    my bills are as follow

    I live with my mother she is 65 house is paid off i am the only one working
    no car payments, no child support i drive a decent 1.8L engine car that almost gives me 30Mpg, work commute is 15 miles one way

    lights 140
    dish 45
    internet 9.00
    sewer 45
    water 53
    gas 260
    trash 45 every 3 months
    cellphone 150 includes home phone
    gas 20 a week
    hair cut 20 a month
    dining out with ladies/escorts/prostitutes/massage parlors 180 once a month

    credit card debts
    PAYPAL
    $2,500.00

    AVANT INC
    $23,810.00

    SYNCB/AMAZON
    $2,593.00

    CITI
    $2,374.00

    SYNCB/WALMART
    $2,000.00

    BARCLAYS BANK
    DELAWARE
    $1,684.00

    CAPITAL ONE BANK USA
    $1,443.00

    PNC BANK
    $2,000.00

    CBNA
    $1,200.00

    10,000.00 from mothers account telling her i will pay her back but still haven't

    What are my options do i have to sign up for some debt relief program such as freedom debt relief not even sure if its legit program or not?

    thank you hope to hear from experts on here soon

    #2
    You might want to start by not spending $180/month on prostitutes .

    Oh, and stealing from your mother would be a great thing to stop also.
    Steve

    * Despite the high cost of living, it remains very popular.
    * Why should I pay for my daughter's education when she already knows everything?
    * There are no shortcuts to anywhere worth going.

    Comment


      #3
      Stealing from your mother? Check!
      Hookers? Check!
      Blow?

      If you've got the hookers, you need the blow!!

      Comment


        #4
        wait, are you actually spending money on sex workers, or is that a joke?
        james.c.hendrickson@gmail.com
        202.468.6043

        Comment


          #5
          Originally posted by james.hendrickson View Post
          wait, are you actually spending money on sex workers, or is that a joke?
          They don't do it for free!!!

          Comment


            #6
            If this is like The Wolf of Wallstreet $180 for a single visit would be considered "pink sheet", may wanna be careful with that.

            Comment


              #7
              i would like to thank each one of you for the response you have given me, I cant help it society going to judge me regardless, whatever I mentioned on my post is 100% real and its not a joke.

              I was just being honest to an online thread being behind a computer is the easy to talk about it, regardless if I wanted to hide stuff I would make amount mixed in with my credit cards debt and no one would know or find out how and where the money was spent

              The break down of $180 a month is more considered as a MISC expenses that are always relating in prostitution directly and indirectly, also includes visiting massage parlous, also includes paying females phone bills that always $50 a month, in that $180 dining expense are included as well, in that $180 expense personal video xxx bought online is also included, paying or helping someone for bill or taking them out for getting their nails done is also included in $180 so yea when things are bought for female and in return something else is returned its automatically considered as prostitution directly or indirectly this is just an estimate of $180 I may not use $180 in 3 months or I might end up using more than that in a month, so the average is 180.00

              I got called a thief today that did hurt my feelings but I agree I shouldn't do that to my mother that is reason I am here posting an honest post and I want to fix this issue

              My tax check be close to $2500 and It that money Is used to pay property tax and home owner's insurance and association fee

              I request please do not make fun of me thank you looking forward for solution

              Comment


                #8
                You're asking something from us, we are going to ask something from you before we spend our valuable time.

                1. Stop spending money on prostitutes or anything associated with prostitutes. Not because of any judgement on our part, but because that would demonstrate the type of commitment to getting out of debt that would make it worth our time to help you.

                2. STOP STEALING. This one is even more important than #1. No explanation required.

                Make those 2 changes and we will be willing to help. Until then, I am out.

                Tom

                Comment


                  #9
                  Tom,
                  Honestly I have stopped spending money on prostitutes I am trying to reform and have better life believe me on that, that is the reason why I made up my mind come up on this forum and be 100% real, everyones time on here is very valuable and before it gets too late for me I need the help to reform as I can not see myself in a huge debt like that due to my habit which I can assure you I have stopped it and I am really looking for help

                  Comment


                    #10
                    Originally posted by tomhole View Post
                    You're asking something from us, we are going to ask something from you before we spend our valuable time.

                    1. Stop spending money on prostitutes or anything associated with prostitutes. Not because of any judgement on our part, but because that would demonstrate the type of commitment to getting out of debt that would make it worth our time to help you.

                    2. STOP STEALING. This one is even more important than #1. No explanation required.

                    Make those 2 changes and we will be willing to help. Until then, I am out.

                    Tom
                    Nobody admits in public to hookers and stealing $10k from his poor 65 year old mother. This guy's obviously a troll; have fun and don't get stressed.

                    Comment


                      #11
                      Originally posted by tdi200 View Post

                      The break down of $180 a month is more considered as a MISC expenses that are always relating in prostitution directly and indirectly, also includes visiting massage parlous, also includes paying females phone bills that always $50 a month, in that $180 dining expense are included as well, in that $180 expense personal video xxx bought online is also included, paying or helping someone for bill or taking them out for getting their nails done is also included in $180 so yea when things are bought for female and in return something else is returned its automatically considered as prostitution directly or indirectly this is just an estimate of $180 I may not use $180 in 3 months or I might end up using more than that in a month, so the average is 180.00
                      My advice is to maximize the value of the $9/month for Internet access.

                      Comment


                        #12
                        well I was just being honest to get legit way so I got off from this situation seems like I am just being made fun?

                        Comment


                          #13
                          actually internet value is really 9 dollars a month everything is accurate on my bills

                          Comment


                            #14
                            Originally posted by tdi200 View Post
                            well I was just being honest to get legit way so I got off from this situation seems like I am just being made fun?
                            There are too many trolls on the Intarweb to know whether or not you're telling the truth. And if you say, "but I'm being sincere", then I reply, "Poe's Law".

                            Comment


                              #15
                              Originally posted by tdi200 View Post
                              well I was just being honest to get legit way so I got off from this situation seems like I am just being made fun?
                              I'm not making fun of you.

                              No shortage of free entertainment out there if that is what you are interested in. Or you could look into getting help for your addiction.

                              Personally I am too damn cheap to shell out $180/month for any addiction.

                              Comment

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