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I Am In Debt

Personal Stories, Advice, and Support 2,423 People

    Shameful Debt

    I am too ashamed to admit how much in debt I am. Most of it is student loan debt, but I also have significant credit card debt. I recently had an issue where I was a bit over the maximum on one credit card and the minimum payment due was nearly $900. Thankfully I have never had a...
    mspac mspac 21-25, F 30 Responses Jul 18, 2007

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    Foolish Charging

    Hi, i have been paying $600 in interest without reducing my debt of $30,000 for over 3 years. How do I get out of this hell? any advice will be helpful. thanks a lot. mim
    braunhart braunhart 61-65, F 2 Responses Oct 14, 2012

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    I Need Help To Get Out Of Debt

    Lord, I confess that I have made mistakes and accumulated too much debt. Please forgive my sins and walk with me and help me to make the right decisions throughout my life I have made the first step as a determination by creating a blog which I hope can serve as diary to help...
    striveoutofdebt striveoutofdebt 31-35, M 3 Responses Apr 3, 2013

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    A Better Way Out Of Debt

    i filed chapter 7 12 years ago and was doing a lot better w/ my credit card debt 'till I got divorced. He is such a deadbeat that now I am stuck with a 40K + credit and loan balance. I did not want to file chapter again and decided to go into a program. The first 4 months was...
    tamparuth tamparuth 36-40 7 Responses Jul 12, 2010

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    Payday Loan Crisis

    I was in great debt for the past eight months. I had nine payday loans and two installment loans. I was paying too much every month and it came to a point that I could barely handle the installments and I didn't know what to do. I was thinking of calling some debt consolidation...
    alecsmith alecsmith 51-55, F 2 Responses Jan 23, 2013

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    Slave To Debt And Tired Of The Rat Race

    My goal is to free myself from the slavery of debt in pursuit of materialism. My situation and my goals: 2003 economy was good, I was making $60k a year in sales, got a car lease in 2006 for $468. By 2007 I had major ankle surgery, 6 months disability, ran up some debt, the...
    workerbee101 workerbee101 36-40, M 1 Response Dec 17, 2009

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    I Am In Debt By $17,000.00

    I think that is not good. BUT i was spending money when I wasnt feeling good during a 7 year span of going to therapy for bad stuff that happened to me when I was young. Really bad stuff. So that is my confession today to all the people at EP. God knows my debt, my daughter...
    mama12345678 mama12345678 51-55, F 2 Responses Jan 12, 2013

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    Be Free Financial

    "Things were so tough. I needed money I wasn't getting enough." that's the reason why i decided to have a pay day loan. but im getting problems with the payment because of the high interest rate. Be free Financial was one that over a million Americans have turned to: they...
    XamanthaQueriel XamanthaQueriel 22-25, F 4 Responses Jan 23, 2013

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    Almost Down And Out

    Ooooh.  This is a subject I DON'T like to think about!  I just move forward with my head down.  The depression wiped out 80% of my income, all of my savings, all of my retirement savings, all of my assets, all of my cash, etc., etc., etc.  I owe around $60,000...
    Zotz123 Zotz123 61-65, M 1 Response Dec 24, 2009

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    Money Worries Keep Me Awake At Night...

    Like many others here I am in a considerable amount of debt. I toss and turn all night trying how to figure out how I am going to pay everything off. It's a horrible life and I just want it to end. Basically I have let two ex boyfriends take advantage of me and have taken out...
    archangelgirl archangelgirl 31-35 2 Responses Aug 27, 2012

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    I have a student loan from a trade school

    that I entered in Shortly after high school to help me earn my high school diploma. Numerous amount of hospital bills and medical debts Bills mounting up, because I just don't have the money to take care of it right now. Granted I do have pretty good credit, but there is...
    NYSlilAngel NYSlilAngel 26-30, F 2 Responses Mar 30

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    Payday Loan Dilemma Gone!

    hi im richard! my wife had a cancer so she stops working , so now im the only one whose working.. 1 have 3 kids and their all studying . i need to pay medical bills plus mortgaged and to buy food for our table.. and to top that the payday loan my wife had which is a...
    richardmiles2013 richardmiles2013 26-30, M 2 Responses Apr 29, 2013

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    My Love Story

    hello  guysi just recently joined this site to find some friends and write somethinghere i'm gonna tell you about my love story(which ended before began lol)I am 20 years old an indian guy belong to middle class family.when i was 14 i was used to go to school, one day i was...
    Demotivatedguy Demotivatedguy 18-21, M 2 Responses Jan 25, 2012

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    Over Whelmed And In Debt.

    We are all in debt to some degree,some more,some less.Most people would have noticed the cost of living changing over the years.It affect everyone,the young,the elderly,the people coming up to retirement.I listen to the young people at work with children telling me how hard it is...
    Lesely Lesely 51-55, F 2 Responses Mar 16, 2013

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    Please Help Me

    when u reach bottom its time to ask for help and i realise thats my last resort,that there may be just one person willing to listen & help me. i need 8000 to get out of a debt that could cost me my home car and marraige,all i ask is a loan that i will repay short term back to...
    kayuk1 kayuk1 46-50 1 Response Mar 19, 2008

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    Getting Out Of Debt By Getting Powerful & Conscious

    I found myself in terrible debt of more than $40K with both credit cards and student loans, and way more was in the 'bad' debt category of credit cards. I had been in a profession that was high risk, and I thought I was balancing my good budgeting with the counterpoint of that...
    FreeFromDebt FreeFromDebt 36-40, M 1 Response Oct 25, 2013

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    Digging My Way Out....

    Most of the reason we are in debt is because. my husband, when we were first married, didn't know how to manage money. To be truthful, he still doesn't get a clue. My husband came from an affluent family. He was used to getting whatever he wanted whenever he wanted. I came from a...
    deleted deleted 26-30 3 Responses Aug 7, 2008

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    100% Debt Free

    I am in a point where all of my income pays off my loans. I'm open to the possibilities of consolidating them all in one. I searched the net and one site caught my attention "http://www.payday-loan-consolidation.org". Just when I enter the site a live chat agent right away...
    2 Responses Jan 22, 2013

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    Smartguy Is The Smartest Decission That I That God I Found To Increase My Business Clients List. You Can Do It Too.

    How SmartGuy Started... One early Sunday morning, a question came to a man as he sat in the balcony of church with his family, "how can I help the church and all of the people of this world survive this difficult economy." As he sat listening to the sermon, the story of Noah's...
    Dlcfinacedebtfixer Dlcfinacedebtfixer 41-45, M Jul 24, 2013

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    Miracle Works

    I was working and suddenly a guy called up saying he's calling from be Be Free Financial and inquiring if I have loans so they can help me out reduce the rate from 40-60 percent. I told the guy to call me back the next day so I can think about it over night and discuss it with my...
    1 Response Jan 22, 2013

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    How Much Further Can He Drag Us Down??

    My wonderful husband of 3 years is hurting us bad. Recently he has received 3 payday loans behind my back and he still wants more. I told him not to get anymore when I found out about these and that you cannot pay a loan with another loan. The next morning I woke up to him...
    singlemom85 singlemom85 26-30, F 6 Responses Oct 24, 2011

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    So...I Got A Letter In The Mail From School

    If you've ever been or are a college student, you know the major pain of keeping up with money, especially if it's NOT yours and you're borrowing it. It's going nine years now in college and the other day, this mail from campus arrived to my door. Last year it said I was using $3...
    FashionQueen86 FashionQueen86 26-30, F 2 Responses Oct 30, 2013

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    Over My Limit!!!!

    I am waaaaaaaaaaaaay over my limit!! I am approximately $25,000.00 in debt :-( I have gained this debt over the last 2 1/2 years. Most of which I have done without child support or financial help from anyone outside of me. I have 2 young boys, both of which are acutely aware of...
    MegJgeM MegJgeM 31-35, F 9 Responses Jul 27, 2009

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    Comcast Xfinity T V ... Is Really Annoying Me

    COMCAST XFINITY TV ... Has and still is doing their conceited business at Annoying me.  And I don't know what to really do about it.  Back in 2008 when I signed up for the services.  I wanted the basic lowest fee service.  But that gives me all the crappy and...
    ChakraSolipsismMGP ChakraSolipsismMGP 56-60, M 4 Responses Aug 10, 2010

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    Debt Since 2008

    So I finally got in contact with the debt collection agency two days ago. She said that she is willing to offer me a deletion from all 3 bureaus if I agree to pay in full. I told her I would get back to her but I do not know how long it would take to get all of the money and if...
    swtn1311 swtn1311 22-25 May 24, 2013

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    In Debt

    In 1999, my husband had quadruple by-pass surgery and has been working on low ever since.  We lost our business building.  His brother bought the mortgage and would never sell it back when we got on our feet.  He said he thought he'd make more money if...
    Callalilly Callalilly 61-65, F 4 Responses Aug 27, 2008

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    Ha Ha ..debt.

    I've got so many.. I lost count. Sad to say, but don't even have time or money to go home and visit dad. Everything is balanced where every dollar from every check is going to some bill. hmm..
    bebemangzu bebemangzu 18-21, F 1 Response Sep 7, 2012

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    I Reduced My Debt From $212,000 To $30,000!

     I am an independent film maker.  In April of 2007 I went into production on a small but warm film with only a $500,000 budget. I had a single investor and it was the culmination of a decade’s work to get the film made.  As we started shooting we went over...
    KG101 KG101 41-45, M 2 Responses Oct 27, 2009

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    Taking Responsibility For Irresponsibility

    It's no secret that I am horrible with money. I do not know why, but as soon as I receive money I feel the need to spend it, like it's physically impossible for me to hold on to cash. I really don't have a good excuse for my financial predicament. Like many in my generation, I...
    DispatchNinja83 DispatchNinja83 26-30, F 2 Responses Oct 9, 2009

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    No Way Out

    I was already living pay check to pay check when i got a dui 2 months ago. Then the transmission on my new car went out so i had to but a new one. Then today i got mail that my credit card i quit paying 5 years ago is suing me. I really dont know what im goin to do.
    jersey89 jersey89 22-25, F Oct 2, 2012

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    This World Is In This Antinomy I Can'T See How To Get Out Of It

    When I try to even do simple math ...In the past there would be less people in the world.Each person having and living off of $ 100.00 and there is to say:100 people. So the amount of money in circulation is: $10,000.Now with making the Cost of living get in Higher Prices with...
    ChakraSolipsismMGP ChakraSolipsismMGP 56-60, M 1 Response Jun 27, 2013

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    Wanting To Have A Baby

    I am 37 years old and just got married to my best friend almost 2 years ago. I love my husband with all my heart. The problem is that we have made some bad financial decisions after getting married (and probably before). My husband has $89,000 of school loan debt that he...
    westcountygirl westcountygirl 36-40, F 2 Responses Sep 5, 2012

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    And It Is Getting Deeper

    Every time I think I can start to pay down the debt, a new emergency arises, and I go deeper into debt.Update. Okay, well the biggest emergency  has been taken care of. By the beginning of February, I will be able to start paying down the debt, instead of adding to it.
    Serenitree Serenitree 70+, F 2 Responses Oct 14, 2012

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    Life After Bankruptcy

    Well, my husband and I used to have way more debt than we do now.  We filed for bankruptcy a while ago and since then, life has been easier in some ways, more difficult in others. We still have tons of student loans to pay off and I have run out of forbearance time. ...
    frontier frontier 31-35, F 36 Responses Sep 29, 2007

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    I Cannot See the Way Out

    For the second time in my adult life I am so far in debt I am not sure I can get out ... my problem is that I enable my grown daughter ... my husband and I run a consulting firm from our house ... business has been slow and we are watching ever penny we spend .. while my grown...
    ridgerocco ridgerocco 51-55, F 4 Responses May 4, 2009

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    The Eternal Student Loan: A College Education And A Lot Of Regrets - Coulda Woulda Shoulda

    I still have student loan debt at my age. I am 37. Between interest only and forebearance due to financial difficulty - it is now more than it was when I graduated ten years ago. I used to think student loan debt is good debt, now I think there is no such thing as good debt. I...
    chocolatebar chocolatebar 36-40, F 5 Responses Mar 3, 2010

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    Debt Collectors In a Down Economy

    I am frustrated.  Frustrated because, I know I am in debt, but because I was laid off and on top of it, a single parent of two (without child support coming in), I cannot pay back this debt as my finances are stretched thin and can only cover the basic needs of my household...
    WhatMattersCannotBeSeen WhatMattersCannotBeSeen 31-35, F 5 Responses Jan 30, 2009

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    No End In Site

    I have massive amounts of student loans and old bills and my spouse has huge debt obligations as well that bankruptcy doesn't cover. I just recently began to work at this incredibly well-paying job I don't particularly like but I'm muscling my way through only because it allows...
    simplymex3 simplymex3 31-35, F 2 Responses Sep 4, 2012

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    Global Payments VIP Preferred Card

    I have a VIP preferred card that I used in casinos. It's basically a debit card that takes money right out of my checking account. It can only be used in casinos, as far as I know. Once I use it the funds do not come out of my bank account until two or three days later. One day I...
    1 Response Jan 30, 2013

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    It's Frustrating

    I went to university, so I'd be in debt anyways because of my student loan. That wouldn't be so bad, they're not awful folks to deal with. The national student loans center is pretty understanding. However I also still owe the university. It's a very long and frustrating story...
    allusedup allusedup 22-25, F 1 Response Mar 9, 2009

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    I Owe $100k In Student Loans.

    Make that $200K if you add the interest I'll be paying over the next 25 years.I never thought about it while still in school since my parents were like, "If you get into a good school we'll do anything to pay for it". And once I got in, they said not to worry and to focus on...
    kokoliko kokoliko 22-25, F 3 Responses Jan 27, 2010

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    Surviving Self Sabotage..a Heavy Price To Pay...

    Hi everyone, Am I every happy to have found you!!! I am a classic case of - I don't know what.  I just spent my entire life away.  No house, no car, no assets, no children, no boyfriend. I have been frivilous with  my money for many years.  I always had 2 jobs...didn't matter...
    freedolphin freedolphin 46-50 3 Responses Sep 5, 2011

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    About 30k By the End of Next Year

    I will have been in college for six years when I graduate next Spring (2008).  Thankfully, I only  used student loans the last three years, but that's still close to 27K in student loans.  I'm also getting married in Fall of 2008, so we may take out a loan to help...
    Chanteuse1984 Chanteuse1984 26-30, F 1 Response Jun 13, 2007

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    Once Upon A Time I was In Debt , But HéRe Is My Story How I got Out.

    Welcome to Debtdocation Learning Center!    I Start you up with a 1927 Quote from the book that everyone has to read its called Laws Of Success by Napoleon Hill. QUOTE: "ONCE YOU MAKE A DECISION, GOD AND THE ENTRE UNIVERSE CONSPIRES TO MAKE IT HAPPEN FOR YOU.". So Think of a...
    Dlcfinacedebtfixer Dlcfinacedebtfixer 41-45, M Jul 9, 2013

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    In N Out

    Okay, I came into some money about 5 months ago. With it I was able to pay off 90% of my debt and even keep quite a bit in the bank. Well, along comes my mother.. the teacher of how to get in debt fast! Love my mother but she did not show me how to save money or manage it in any...
    CrazyNat CrazyNat 22-25, F 2 Responses Mar 5, 2011

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    Yep

    Yes I am, we are in debt.  We own our house and no one can take that away from us but right now money is tight and we are falling further and further behind.  We both pay child support and my child support takes about 60% of all my checks.  We pay what we can on...
    rondat rondat 41-45, F 5 Responses Jan 15, 2008

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    Gambling With a Year Long Investment

    I am a web programmer and I took the gamble to spend the whole of last year programming a base set of code (in the form of classes) as well as a system to run it all on. The only downfall was that for that 12 months I barely slept more than 4 hours a night and lived in near...
    sacrine sacrine 21-25, M 2 Responses Jan 21, 2008

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    How Do I Get Out Of Debt?

    More and more people in the UK are asking the question, “How do I get out of debt?” There are several solutions to this, if you debts aren’t large (Under £1000 for instance) the easiest way is to reduce your outgoings by spending less on luxuries, buying cheaper brands...
    HowdoIgetoutofdebt HowdoIgetoutofdebt 41-45, M 2 Responses Jun 27, 2013

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    Duh!?!

    i should have known better. hell i did know better. i charged up an enormous amount of money on my credit cards. that isn't even including doctor and hospital bills. it sucks to know you have nothing to fall back on because you already blew it on a million not needed craft...
    blackspiderlily blackspiderlily 36-40, F 3 Responses Jun 16, 2013

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    In Debt Forever

    I figured out tonight that I will be 64 years old when I finally pay off my student loans if I keep going at the rate I am at now. Even if I am able to work full time eventually, it will still take me until I am 58. I am 44 now, I have two beautiful adopted children. We had so...
    sadindebt sadindebt 41-45 2 Responses Jun 19, 2013

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    Thank You

    My wife died a couple of years ago. I am drowning with different kind of loans. Auto loan, installment loan, payday loan….name them, I have them all. 90% of my paychecks pay off all my debts and I have a little amount to bring home for my kids. An agent from Be Free Financial...
    2 Responses Jan 22, 2013

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    I Am A Succesfull Money/debt Juggler Here To Give Support!

    Like everyone here I am in LOTS of debt. However, I want people out there to know there is hope! My talent is not writing, so my wording may not be perfect but my talent is with juggling money and debt, when there just isnt enough money to go around. I am still in debt, but it is...
    kawoods kawoods 22-25, F 2 Responses Oct 30, 2012

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    Student Loans and Credit Cards

    Not only do I have student loans, as you others have mentioned, I also have significant credit card debt.  I'm trying to pay all this debt down now.  It's tough, but I'm making slow progress.
    NihonjinRXS NihonjinRXS 26-30, M 5 Responses Aug 3, 2007

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    Canadians In Debt

    Debt is, according to the Canadian Oxford English Paperback Dictionary, a sum of money owed, a state of obligation to pay something owed. If an individual is unable to start paying back a debt when requested to do so, the debt accumulates interest. In banking terms, interest is...
    shaandar shaandar 31-35, F 2 Responses Jan 10, 2013

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    Debt Free For Real

    I was in debt for over 6 months and was living from one payday loan to another. I couldn't take it anymore. I learned about consolidating my loans but was hesitant because i know there are a lot of scams going on. Luckily one day i got a voice mail from Be Free Financial, they...
    2 Responses Jan 22, 2013

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    The American Dream

    School came easy. Applying, Accepting, Enrolling, and taking out the necessary student loans to cover my expenses. I was fresh out of high-school when I enrolled in an accelerated Bachelor's Degree program. A faster program seemed like the best choice for my current situation...
    LifesASitcom LifesASitcom 18-21, M 1 Response Mar 7, 2010

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    Related Experiences

    When you get an unexpected phone call from a debt collector your first thoughts are probably fear and shock. You don't remember any outstanding debts and the person who is...
    hemasbags hemasbags 26-30, F Apr 7

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