I am only 21 years old but I currently have roughly $ 53,851.50 in various debt. These debts are medical, dental, car reposession, credit cards, county (tickets), etc etc.
I am not sure at all how I am suppose to go about tackling this. I am overwhelmed and losing sleep at night with an enourmous amount of stress. I am only 21 years of age, I have already gone threw $ 75,000 dollars worth of inhertiance money after my mom was victim of a malpractice with Kaiser Permamentae. I have a major gambling addiction which caused me to lose all of that inheritance and also was the major help in creating the rough estimate of aprox $ 53,000 dollars worth of debt and that is just thru business, I am not including personal debt that I owe friends, family etc. I also was kicked out of the Navy for stealing my roommates credit card and funding it for gambling. The medical and dental part of the debt which is also a big portion of my debt occurred when I was hit in the mouth during an ice hockey game when I decided to play with a half shield. I didnt realize I was no longer covered under my dads medical or dental, and thus im stuck with the hospital and medical bills myself.
I am a mess with lots of issues and yet I keep trying to get it together. I take 2 steps forward and then something occurs that seems to throw me right back down, my support system isn't that good and I just feel lonely, miserable and depressed. I just feel like I am so overwhelmed with missing my front teeth via hockey, nothing going for me in my life at all, and a $ 53,000 dollar rough estimate of debt barring down on me. its causes me just to want to give up, anyone have any suggestions for me at all on how I can overcome this mountain??
maxmom56
Find a place that offers therapy on a sliding scale fee basis. Jon gambler's anonymous. File bankruptcy.
Kitty Cat
I am just wondering why now. I mean why not at $ 45,000 or $ 37,000.
I don't know how you think so I can't really forward anything.
But I can say that in these sihuations I remember an old chinese saying that said something like "a trip of 200.000 steps will start with step number one" so go ahead, get a job, stick to it and first paycheck pay up some $ 500 towards it.
Or, (since you aint in China but you are in yankee land) you could play the bankrupcy card, nobody seems ashamed of going that route so why not you.
You can do one every 7 years too.
Mike K
Ok, there's alot to get through here. The first thing is that you have to get your gambling addiction kicked. There are great support programs out there that can help. Secondly, your only 21, so I think it would be best if you filed for Chapter 7 bankruptcy through a lawyer. This will help erase some of your debt, but keep in mind that you will not be able to discharge any judgments entered against you from criminal wrongdoings that you described. The Bankruptcy should help wipe out the medical bills. In the future, I would look at paying for some medical coverage. You need to take it one day at a time and go to GA meetings. Most people that develop addiction like this also have some sort of parallel mental illness such as bipolar disorder. When you get some medical coverage, I would check into this. Good luck and hang in there.
Craig K
You need to start taking control of your life (financially and emotionally)! I would highly recommend reading Dave Ramsey's 'Total Money Makeover'. His approach to tackling debt is not only LOGICAL, but realistic.
I was actually given this book and gafted it off as another QUICK MONEY SCHEME book, but it is FAR from that. A lot of the people in the book are families that were in the same if not worse situation you are in.
He has a radio show too that you should listen to.
Paula M
I truly don't mean to sound glib!!! But you should seriously consider moving to UTAH....it's the only state w/out legalized gambling....
Get therapy and such to get over it...but get away from the temptation at the very least.....
Really...nothing else will get fixed unless you get away from the problem to start with.
wetlook
don't worry there are online sites for your debt problem . All of the answers to your questions and everything that you need to enroll in program are provided right there, online, and they will be explaining everything to you each step of the way. The best part is that you can do it all from the comfort and privacy of your home or office.thanks
Orignal From: I am young (21) with an overwhelming amount of problems.. Bankruptcy? Help?
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