conversation: User (dual26650s): "EDIT: I need to figure out how to get my license back. Girlfriend has insurance in her name on car that is my name, but I'm learning that a.) Probably won't satisfy the DMV as they check stuff electronically. B.) If an accident happens, payment will be delayed or refused so basically a straight up waste of money. Might make a new post tagged auto/insurance.\n\nEDIT: Contract to hire, so I have probably a few months grace period to get my stuff straight before a credit check. The team is crazy busy, but of course they want to interview multiple candidates and I'm the first, so I'll know within two weeks. Also have a few other positions in the pipeline but this was definitely the job I'm most excited for! I'm going to respond a lot less often now to the thread but feel free to message me. Will do a few update threads, once I get a job and once things are better managed. Thanks again to everyone, it was a great boost to self esteem (or something) right before my interview which was awesome and something I needed.\n\n\nI lost my job a year ago and burned through my savings trying to maintain my life style while half heartedly looking for a replacement job. Now I have an interview tomorrow, but (not) really considering bankruptcy (not after this thread, thanks guys! could prove to be a useful tool in the future if i fuck up even harder!!).\n\n\nMy car got repo'd to the tune of: \n\n$12,900\n\nCredit cards maxed and closed at $699 and $5,123:\n\n$5822\n\nEvicted, final payment due:\n\n$6200\n\nlicense reinstatement (120 old parking ticket, 500 no insurance, additional fee 30: \n\n$650\n\nutilities from the apartment (that i've verified, there may be more, only thing that showed up as under collections from my credit report):\n\n$117\n\nI went from couch surfing and hating myself to trying to get a grip and moved back in with my parents. Now I'm trying to get everything back on track, but it's really, really depressing.\n\nThis probably isn't even the total, I'd love to find out if there are other debts in collections (sure there are, but only thing that showed up on equifax - the only credit report i was able to get). Anywhere else I can do this?\n\nI have a car that I'm putting in my girlfriend's name, paid off and reliable (for the last few years anyway). I have training and experience in IT, and several references (not asking for a job, just explaining my situation), and that's where I'm looking to apply, and where I'm interviewing tomorrow ($80k is on the table, but they probably won't hire me if they do a credit check). I've tried getting jobs at gas stations and supermarkets and such but nothing back so far, except for one aborted attempt when I was collecting unemployment but it turned out that my unemployment was worth about double what my wages would have been.\n\nI know I screwed things up, this is probably a good cautionary tail of 'don't do what that guy did', but I am having a hard time even finding out everything I owe and how to get it all fixed.\n\nThanks everyone, hopefully you all can work some magic with me as I've seen so many other times!\n\nI'll edit in here anything I can that people ask for. Would love to see some (preferably free) place I could aggregate and contact my creditors and collections. Today has been a hard day for staying positive but I've done perhaps too well of a job otherwise.\n\nedits: \n\ni'm seeing 'don't declare bankruptcy' definitely planning against it &lt;- what if i don't manage to score a decent IT job? also, cost of living up here is insane, and my time at my parents' house is limited, though i'm sure they'll understand housing difficulties.\n\nseeing some positive thoughts, thank you all so much for that! feeling a little better now with an update from the vet - cat's now fine, on some great drugs, sleeping over at the vets to be picked up tomorrow, and most importantly we scored a payment plan!\n\nite my friends, i'm signing off to do some more cramming (have all morning tomorrow to do so as well but i'll definitely take a break and reply and upvote more comments!) thanks again, much love for you all!\n\n"
  Self: "If you want an easy job by next week, do a class for a Guard Card and become a security guard. Walk in interview and you'll have some income atleast"
  User (dual26650s): "wouldn't they do a credit check to make sure i'm not at risk of stealing stuff i'm supposed to guard? where do i go to do a class for a  guard card? if you've done it, how much did it cost to attend the class and was there an additional cost for a test? i'd love to do something like that on weekends, even with a full time job!"
  Self: "Also, don't declare bankruptcy. Your hole isnt that big and can serve as a lesson for the future to adjust your living means if something like this happens in the future. "
  User (dual26650s): "Gotcha!"
  