Is there hope for me ? BAD BAD credit, 3 closed credit cards, 13,000$ in debt… and I am only 25 years old?
I don’t know where to start, I messed up and made many stupid financial decisions that I regret now
Is there hope for me??
3 credit cards , a total of 9,000 dollars
I was unemployed for 6 months, I didn’t pay even the minimum due for 4 months (I was that poor..)
The 3 cards were closed by the banks
And I have 3,500$ in debt from another source, which I need to pay back at last 70$ a month
The banks now require between 200-500$ minimum due !!
I finally got a job, only 30,000$ …BEFORE tax
By the way I support my mother (old) and my brother (too young)
I have nowhere to go and don’t know what to do… How could I possibly pay the rent (1,100), bills, food, etc etc .. and pay back my credit cards
I am lost. I hate that my credit score makes me look irresponsible. I really was on track before I lost my old job and my savings due to family emergencies..
Is there hope for me ? What can I do to rebuild my financial credibility ? How do I get the courage to even look at my finances let alone organize them ? Please help me… How long is it going to take for me to get out of this mess? I am ready to do what I got to do