Recent content by PainfulPwnst

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    Should I accept a 20.9% interest rate on a $25k car loan?

    Have you looked into cars under 5k? People offload good cars – just because they look old, and aren't popular.
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    How can I negotiate lower payments with my credit card company?

    Just give them a call, honestly explain what's going on. They'll work with you, so you won't end up with missed payments, or late ones. They did it for me. I lost my job, couldn't cover rent... and Capital One? They slashed my monthly payments. Got it down to something small manageable for both...
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    Should I use $70K savings to pay off CC debt if I’ll keep relying on cards?

    Everyone else has given good advice but I want to add that I am so, so sorry ❤️❤️... Please, please get yourself and your son therapy grieving is hard, but it’s important.
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    What if Midland Credit can't serve me but filed a lawsuit?

    So, this thing happened with Discover they didn’t sreve me right, and somehow, they’d filed a judgment against me without me even knowing. I mean, I only found out when I looked myself up on Case Search. I got a free lawyer, and they filed some kind of motion to dismiss, I think, because the...
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    Should I Pay Off Credit Cards or Save for Emergency Fund First?

    Hey, I noticed those credit cards have super high APRs. You should really focus on paying those off first. Why not try giving them a call? See if they can lower your APR. Sure, retail cards usually don't budge on this, but hey, it's worth asking! Just a heads up, retail cards are known for...
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    Is $2368 a Year Normal for 2 Car Insurance in California?

    $2368 a year—is that normal for car insurance for two vehicles in California?
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