I figured if I sold my car and liquidated my 401k, that’s more than half my debts gone right then and there. Doesn’t seem Bankruptcy worthy at just 15k of debt

I appreciate that advice. I’ll do that tomorrow. There’s a library near me.

My dad dying and me being the primary care taker is how I got into this mess. Over the years it’s just snowballed. I don’t spend anything unless it’s for gas or groceries so I’ve already cut everything out. I just don’t make enough money. My partner works for a big company and works in an office. We send our son to day care.

Definitely trying to find new positions, just been applying to everything and hoping for a fall back.

Yeah. No bad record, just living in the state with highest auto premiums. Haven’t had an accident since I got my license 11 years ago. I drove 50 miles a day to and from work so I wasn’t on low miles but I’m trying to find something closer to me. She is working, but we split payments based on how much we make. She will be helping me with taking over more payments but I cannot ask her to give me additional money for those debts

I would do that if I had savings. I’ll be lucky to make $1000 this next month so I’ll just be hemorrhaging even more money

It’s a private loan, sorry. Not from a friend or family, but from Upstart. Gonna be tough to find a car for $3,500, I’ve looked and a ton of junkers even are asking $5-6k. I’m not a car guy either so it’s tough to tell what cars are in good condition and what ones aren’t but I’ll do my best for sure