When I began going to school at our local university, I was really surprised to see various tables set up and manned by various credit card companies on freshmen initiation day. I quickly signed up for three cards, and was even more surprised that I received all three with high limits. But using those cards led me into a lot of debt, and I am in over my head. Now I have found myself needing to hire a Sacramento bankruptcy lawyer as a result.
I do not know what I was thinking when it came to my new cards. I knew that I needed to pay back the amount owed on each card, but I also thought I had more time than I did. I kept up with the minimum amount owed each money for quite some time. I had a part time job that helped me to do that rather easily. But at some point, my parents found themselves having financial trouble, and they were unable to help out with some of the costs of essentials at school. This meant that I quickly found myself needing to get another job that I could do on Fridays and Saturdays. This let me continue to go to school throughout the week and work my first part-time job at night during the week.
Although, I am pretty young, I overestimated just how tough it would be to do nothing more than eat, sleep, work, go to school full time and complete all of my homework. I began to hit a wall. I continued on until my health began to suffer. I had to ditch my weekend job, but that also meant that I fell behind on my monthly bills. Before I knew it, my debt rose to about $15,000.
Collectors called me night and day. I finally had to turn my phone off. But then the letters started. My school counselors said that I needed to do something before it was too late. So, this next week I am going to do the right thing and get the help of a lawyer to file bankruptcy.
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Cost Varies Frames
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