PayingForPastMe
Region: US
Tuesday 16 June 2026 15:58:50 GMT
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areysayshii :
truly the best thing for me was filing bankruptcy
2026-06-17 03:21:27
62
roxaslain :
sadly paying minimums will keep you stuck forever :(
2026-06-23 09:27:04
487
Lesles :
I’m so sorry queen. It’s so frustrating. I hate this system.
2026-06-16 16:44:24
639
Mikaela :
I filed for bankruptcy & it was absolutely the best thing I ever did for myself. I know it’s scary! But it is soooo temporary!! Getting my credit score back up was honestly so easy! I was scared to try but once I did, it was a very smooth process! So happy for you for choosing the financial freedom!
2026-06-16 17:42:50
270
ɮʀǟռɖօռ₉⁹₉ :
I went from a 740 credit score to 400 before filing bankruptcy. Now my debt is completely erased and my score is at 570 after filing alone. Waiting for my discharge to start rebuilding my credit
2026-06-18 07:46:31
93
blank :
Take out of your 401k and get caught up
2026-06-17 18:18:30
9
𝔖𝔞𝔯𝔞𝔥 :
Debt used to keep me awake at night not knowing how I was gonna pay my bills now I’m 13 months post filing, 11 months post discharge. My credit score is back in the low 700s and my only regret (aside from getting into debt in the first place) is not having filed sooner
2026-07-02 18:05:26
16
alex :
I had a 760 at 23 years old on February and student loans came knocking and now I’m a a 600🫠🫠
2026-08-09 20:25:15
9
WG.Lason :
Do you have a budget, live below your means, and cut out extraneous spending?
2026-08-09 05:25:11
18
aliciaallen411 :
Every time you renew your apartment, they don’t run your credit. The only time they would not renew your leases if you are not paying your current rent. Or you were a bad tenant in someway. So don’t worry about them running your credit if you want to renew. As long as you are currently in your rent, they’ll be no problem.
2026-06-17 02:26:08
21
gabslife02 :
So glad that I found you. I was drowning in debt and now working on a plan to get my back on track
2026-07-02 20:15:53
12
Anjelica :
You can always call the credit card companies and ask for a hardship program. They can reduce your interest. Do that before you allow your credit to be hit.
2026-06-22 14:42:32
64
johnnny :
If you pay the minimum you will never pay it off
2026-08-04 10:24:44
5
Nico Taylor :
Let it charge off and negotiate your debt. Save your money for the negotiation. 600 credit score isn’t lendable anyways. You’re still addressing your debt just having a hard ship
2026-06-20 00:04:49
19
BigL :
Take a deep breath and look at your options. Nothing wrong with bankruptcy
2026-06-23 04:00:32
7
Janneth M :
It’s all temporary! It’ll be worth it in the end.
2026-06-17 12:30:25
12
anne :
You need to file if its 67K
2026-06-17 00:38:15
6
Gabriella :
I filed bky back in march and went from a 720 down to 540 and omg it hurt. Won’t lie and say I didn’t cry especially when it was so difficult to get it up over the years and I never missed a single payment to anything. But I was paying $2700 a month in debt on a single income and was drowning. Finally up to 570 but i took 3 separate hits when I filed. Everyone said one but no. Everything closed and separate times and it was 3 massive hits. On a positive note it has helped me feel like I can breathe again and I don’t regret it
2026-06-18 20:01:36
7
hagerson :
If you haven’t, look into Chapter 7
2026-06-16 23:57:34
5
Maddie :
If it makes you feel better my prop management company renewed my lease when my credit score was about the same as yours without any issue, and renewed again this year with a bankruptcy on my record again without issue. A lot of the time they don't rerun your credit if you're staying in the same unit, so if you have a good history as a tenant I wouldn't stress it too much.
2026-06-16 17:49:23
8
Beyza :
I’m sorry you’re going through this! System is truly messed up. You don’t mind disclosing, how much credit card or overall debt do you have?
2026-06-16 17:41:37
6
Doobyddooooo :
I am kind of confused. it looks like you have tried everything but chapter 7 bankruptcy?
2026-06-20 01:01:41
6
Brewing the life :
Credit scores mean nothing. If you can’t afford something with cash you can’t afford it
2026-08-09 15:05:44
0
SOSN :
The best decision I made was Ch. 7 bankruptcy! Got a lawyer through a state program and I’m finally released from that debt! Got a credit card 8+ months later and no longer relying on credit cards building back my credit
2026-08-11 07:10:57
3
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