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> Already in debt and dodging bailiffs and debt collectors and intimidating loan-sharks, none of whom she has any chance of paying off. Okay, then maybe she sh
by zozbot123 8y ago
> Already in debt and dodging bailiffs and debt collectors and intimidating loan-sharks, none of whom she has any chance of paying off.
Okay, then maybe she should consider declaring personal bankruptcy and getting a clean start? There are some debts that cannot be discharged using bankruptcy, but they're not the sort of debt that f---s you over and that you have no chance in hell of paying off. Solutions are out there, she should use them.
- EliRivers 8y agoYet they don't. Why not? Why is your advice here not being taken?
- brianpgordon 8y agoI think he has a point that you're assuming debt is the problem. It seems to me that she's just not being paid a living wage. If she's really struggling that much to make rent I would be surprised if anyone would give her credit at all, other than maybe short-term payday loans. And declaring bankruptcy every month doesn't help you avoid eviction.
- EliRivers 8y agoNo, quite the opposite for me. I think debt is more a symptom here. Here is your life (however you got here - maybe you made bad choices, maybe you didn't), there is no escape. One of the things holding you down is debt, but wiping that out will not help you because you come up short every month. You'll just be back in debt next month.