I have 20k in CC debt, and I've been unemployed since the beginning of Nov2023. The my employer appealed my unemployment benefits and now I owe the Unemployment office 3k as well. I can't pay anyone anything.
I've finally hit a point where my first CC payment is more than 30 days late. That's definitely going on my credit score as a missed/late payment, probably forever. I've been spending days on the phone with unemployment and the bank with my auto loan trying to get anything worked out. I honestly can't make myself care anymore. I have no desire to call of of my CC companies and inform them that I can't make my payments.
My Mom said that once my lease ends and I move back in with her she can help me try to apply for Chapter13 bankruptcy. I've personally given up, but I don't want her to know that. I also don't want to be a worse daughter and make things harder for her when she's trying so hard to help me. Would calling the credit card companies and telling them that I'm going to file for bankruptcy actually do anything? Or should I just wait till I file?
original posted by LurkingAndSuffefing to r/personalfinance on Fri, 08 Mar 2024 00:01:29 GMT.