conversation: User (freindlyfonz): "Im 27 I'm married have no kids, I make 75k a year. Total credit card debt is 35k spread across 3 cards.\n\n 1 Chase saphire is 15k \n\n 2 Bank of America red is 10k \n\n 3 American Express was previously 10k in the red. Until yesterday when autopay was accidentally on? It previously had been switched off. It paid the whole balance and left my checking account -8500. I cannot use overdraft protection for such a huge amount. \n\n\nRent is 930 a month the utilities are 70 car payment is 335 with 5k more to go. Food is about 400 a month restaurants and going out should be around 400-500. Car insurance is 190 medical takes away from my paycheck by 160 leading to my salary over 2 weeks being 1950 My next payday is in 2 weeks.  \n\n\nCurrently Im getting overdraft fees 35. BOA says they will charge back the money somehow. \n\nEDIT: This is the second time I've heard BOA say the money will be charged back this time they said it will be by midnight tonight. \n\nEDIT 2: As of this morning The overdraft has been reversed. So Bank Of America is 2k and I need to look at the current situation with the AMEX.\n\nWhat should my path moving foreward be"
  Self: "I think the real question here is why are you spending $500 a month when you have 35k in credit card debt? \n\nI'm not trying to be rude, but everything about this screams irresponsible spending. \n\nSpend that $500 on paying off your debt. \n\nIf you are spending $400 a month in food, why are you going out to eat at all? This is just insane. \n\nTo the question: If you did not authorize the payment, you should be able to get it back. Though I find it pretty odd that an automatic transfer would just automatically create itself and pay off your entire balance.\n\nLong term solution is to create a budget and stop livig beyond your means. \n\nHow much money do you have in savings?"
  User (freindlyfonz): "I actually did get it back, as of this morning im no longer 8k overdrawn. \n\nWhat do you recommend in terms of consolidation is that a bad idea? \n\nYou're absolutely correct this came from irresponsible spending on a month to month basis, there are a few larger excusable purchases like I had an appendectomy that was only partly covered by my insurance. Some major changes will be made moving forward. For one I've taken all our credit cards and we are using debits until its paid off. "
  