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Thread: Debt, when you have little income

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    Default Debt, when you have little income

    So I just started camming about a month or so ago and I've taken at least 2 weeks off due to computer blowing up and family drama. So far I've made about $300- I started off slow and started making more as I got the hang of it on MFC. (My camscore tanked, though, of course, but whatevs, I'm building my way back up.)

    I just totaled all my debt and realized it was $17,500. (Mostly medical debt.) My credit is in the toilet, of course, and I was sued by my former landlords- due to illness I missed the court date and they have a judgment against me. I'm terrified they're going to take my car, which is my only asset. I'm about to move out of a rent-free place, likely into a place that's $450 a month; I'm afraid I won't be able to make rent.

    I calculate that if I can pull in $700 a week I can make rent, live and put $500 a month toward paying down my debts. I could pay it all off in just under 3 years. But I'm just not sure whether I should be thinking this way; maybe I should just be planning on taking a bankruptcy?

    I escort, too, but I don't see many clients because I screen heavily, which is generally the way I like it. I figure that to make bank I'll need to be camming on Streammate or another site that's more newbie-friendly, and also be seeing way more clients. I really am not liking this idea of escorting out of desperation, but, well, I'm desperate. (Not that I would ever not screen, though.) What I need is some good advice.

    Pros: I'm smart, I'm hot, I'm confident and guys love me. I get great reviews. I also have enough expected income in the next week to secure this place for a month and get some breathing room. I also maybe could ramp up some other skills, like web design or advertising- I took a minor in marketing and I used to be a web designer for a living, and I know girls in the industry want that.

    Cons: I have mental illness issues. I'm depressed and need the flexibility sex work gives me to work around those issues.

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    Default Re: Debt, when you have little income

    Zerpa,

    It sounds like you are having trouble staying disciplined enough to truly do sex work full time. I won't pretend to understand what it takes to escort and cam, so there is no judgment in that statement. If you think this will continue to be the case, do you think that perhaps a part time vanilla job might help to take some of the pressure off? It would not be enough by itself, but it would help you better absorb those times when you just can't get yourself to cam or see an escorting client. Just a thought.

    Have you reached out to your creditors to put realistic payment plans in place? Also, have you tried to negotiate down the debt? As a small business owner, I have a very expensive and very crappy insurance plan and I pick up a fair amount of out-of-pocket medical expenses before the insurance kicks in. With a wife and 3 kids, all of whom have had varying medical needs, the numbers can really add up. I have had a lot of success in contacting doctors and hospitals and getting them to reduce the charges for certain procedures.

    Bankruptcy is obviously an option, but IMHO it is an option of last resort. A bankruptcy stays on your credit report for 7 years and can have consequences that extend even further. IDK, but to go into bankruptcy over such a small debt number might be premature and could do a lot more harm than good in the long run. I have to believe that both your medical debt and landlord issues could be resolved through some negotiating and payment plans if you can just keep yourself working steadily.

    In any event, good luck and I hope this all works out for you.
    Last edited by rickdugan; 08-04-2013 at 01:29 PM.

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    Default Re: Debt, when you have little income

    Medical debt is unsecured debt, so it is dischargable in bankruptcy. However, filing+court costs will cost 1k or more, and you may lose your car (especially if it is worth more than 4k) unless you are on a payment plan and reinstate it after the bankruptcy is discharged. I would go in for a free consultation with a bankruptcy lawyer. However, since you have almost no income coming in, they probably will tell you that you don't NEED to file, but you can if you want to.

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    Default Re: Debt, when you have little income

    Quote Originally Posted by zerpa View Post
    So I just started camming about a month or so ago and I've taken at least 2 weeks off due to computer blowing up and family drama. So far I've made about $300- I started off slow and started making more as I got the hang of it on MFC. (My camscore tanked, though, of course, but whatevs, I'm building my way back up.)

    I just totaled all my debt and realized it was $17,500. (Mostly medical debt.) My credit is in the toilet, of course, and I was sued by my former landlords- due to illness I missed the court date and they have a judgment against me. I'm terrified they're going to take my car, which is my only asset. I'm about to move out of a rent-free place, likely into a place that's $450 a month; I'm afraid I won't be able to make rent.

    I calculate that if I can pull in $700 a week I can make rent, live and put $500 a month toward paying down my debts. I could pay it all off in just under 3 years. But I'm just not sure whether I should be thinking this way; maybe I should just be planning on taking a bankruptcy?

    I escort, too, but I don't see many clients because I screen heavily, which is generally the way I like it. I figure that to make bank I'll need to be camming on Streammate or another site that's more newbie-friendly, and also be seeing way more clients. I really am not liking this idea of escorting out of desperation, but, well, I'm desperate. (Not that I would ever not screen, though.) What I need is some good advice.

    Pros: I'm smart, I'm hot, I'm confident and guys love me. I get great reviews. I also have enough expected income in the next week to secure this place for a month and get some breathing room. I also maybe could ramp up some other skills, like web design or advertising- I took a minor in marketing and I used to be a web designer for a living, and I know girls in the industry want that.

    Cons: I have mental illness issues. I'm depressed and need the flexibility sex work gives me to work around those issues.
    First take a deep breath. It sounds like you have alot going on.

    Medical debt is different from other kinds of debt for alot of reasons. They generally can be slow to try to collect, if they even try to. Every hospital is different though. I wouldnt freak out about the medical debt just yet. People who look at your credit report are NOT going to judge you as harshly for medical debt. You would be surprised how many people have medical debt on their credit reports.
    Has it been sent to collections? If not call them directly about a payment plan? If and when you do say you can only pay $50 a month. You can say any amount really. They are extremely flexible. That way if you have a bad month making that payment will be easy. If you have a good month you can pay extra.
    Get the agreement in writing. Manually make the payment yourself each month. Send a check each month on the same day so that you have a paper trail. Do not wait for them to send you a pay stub and do not have it electronically pulled. I have seen some aggressive medical collections pull some shady things to get you to miss a payment. Usually the aggressive collections have some kind of punishment listed in the agreement if you miss a payment.
    If it has been sent to collections you can still make payment arrangements, just be careful. Verify dollar amounts with the original medical biller. You will always pay a lil more if it is sent to collections, but if they double the orginal amounts, do not pay them. Dispute it with the original medical biller and the credit reporting agencies.

    The judgement I would be more concerned about. Get that paid off ASAP. Pay it off before you do anything else. That is the one that will haunt you. It will make it more difficult to find a new place to rent. Call the court house and get details about how to fix it.

    I wouldnt file bankrutpcy on any of this. Bankruptcies will kill your lending options for 7 to 10 years. If you sit down, make a solid plan, get everything in writing, and follow thru on it then you will be out of the woods in less then 3 years. I have done that before on 20k in credit card debt that my first bf left me with. It can be done. Once it is over dispute the items on your credit report as paid in full.

    They can not and will not take your car for this debt. The ONLY time i have seen a car seized was on a default of the orginal loan on the car. If you do file bankruptcy it is rare that they will make you sell your car. Simply because in this country, you have to have a car to get to work. So dont worry about that either.

    The worst thing that can happen if you ignore all of this is that they will garnish your bank accounts or wages. If you dont have a bank account and work in cash? they cant do much. I wouldnt advise ignoring it but it wont kill you either.

    Hope this helps and good luck
    Last edited by Vamp; 08-04-2013 at 03:50 PM.
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    Default Re: Debt, when you have little income

    What property is exempt from execution in your jurisdiction. In Texas an automobile is exempt from execution:

    Sec. 42.002. PERSONAL PROPERTY. (a) The following personal property is exempt under Section 42.001(a):
    (1) home furnishings, including family heirlooms;
    (2) provisions for consumption;
    (3) farming or ranching vehicles and implements;
    (4) tools, equipment, books, and apparatus, including boats and motor vehicles used in a trade or profession;
    (5) wearing apparel;
    (6) jewelry not to exceed 25 percent of the aggregate limitations prescribed by Section 42.001(a);
    (7) two firearms;
    ( athletic and sporting equipment, including bicycles;
    (9) a two-wheeled, three-wheeled, or four-wheeled motor vehicle for each member of a family or single adult who holds a driver's license or who does not hold a driver's license but who relies on another person to operate the vehicle for the benefit of the nonlicensed person;
    (10) the following animals and forage on hand for their consumption:
    (A) two horses, mules, or donkeys and a saddle, blanket, and bridle for each;
    (B) 12 head of cattle;
    (C) 60 head of other types of livestock; and
    (D) 120 fowl; and
    (11) household pets.
    (b) Personal property, unless precluded from being encumbered by other law, may be encumbered by a security interest under Subchapter B, Chapter 9, Business & Commerce Code, or Subchapter F, Chapter 501, Transportation Code, or by a lien fixed by other law, and the security interest or lien may not be avoided on the ground that the property is exempt under this chapter.

    Acts 1983, 68th Leg., p. 3522, ch. 576, Sec. 1, eff. Jan. 1, 1984. Amended by Acts 1991, 72nd Leg., ch. 175, Sec. 1, eff. May 24, 1991; Acts 1993, 73rd Leg., ch. 216, Sec. 1, eff. May, 17, 1993; Acts 1997, 75th Leg., ch. 165, Sec. 30.245, eff. Sept. 1, 1997; Acts 1999, 76th Leg., ch. 414, Sec. 2.36, eff. July 1, 2001; Acts 1999, 76th Leg., ch. 846, Sec. 1, eff. Aug. 30, 1999.

    The laws of your jurisdiction will be different.

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    Default Re: Debt, when you have little income

    I would like to note that, the judgement will stay on your record 7 years from last activity. Like anything else. So if you paid it, it would just sit on your record for 7 more years, only with the note "paid" - but its still considered a derogatory account & still negatively affects your credit score.

    And even if you paid off your medical collections, they would still sit on your credit report under "Derogatory Accounts" for 7 more years after you paid them. If they are older and you haven't paid them for awhile (3+ years), you may want to let them fall off.

    If you do file bankruptcy, you can get new credit cards right away (my best score is almost 700 already & my BR discharged last year), a car loan right away (there are a bunch of BR-friendly cars loans- and NOT just in-house), and can purchase a home 2-3 years after the discharge. You may have a higher APR at first, but you can always refinance. Your amount of debt though ($17k) isn't really that high though.

    I know all of this because I went through your exact situation in 2009-2010, and did BR in 2011 which discharged in 2012. Though I had MUCH higher medical debt, and no judgments (but judgments work the same way as anything else on your credit report).

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    Default Re: Debt, when you have little income

    Hmm, okay. I think what I'm going to do is see what I can make work this month and next month, see how much I can pull in, and then sit down and have another look at the accounts. I'm not going to rule out bankruptcy by any means, but if I can pay off this stuff then I will. I also need to call about my debts, explain the situation and see exactly how much I owe- some things may not have gone to insurance, so on, and so forth and I just want to be absolutely clear. I know it's not fair to my creditors to let this go on.

    Rick, the problem is not discipline- it's that I've been actually prevented from camming. Although there are vanilla jobs I could work, the depression and ADD make finding those jobs very, very tough, and, well, essentially the choice is between sex work and going on disability. I just gave those numbers because I wasn't sure how much I COULD make, given an even pace and no technical issues. It seems that a lot of the nondancers on this forum easily make better than $700 a week, but I've just been struggling for so long it seems like an impossible number.

    Anyway, onwards and upwards!

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    Default Re: Debt, when you have little income

    Without reading much of the other responses, I just want to say *hugs* I can definitely agree with you that having depression and ADD can have the ability hamper one's work ethic. I myself struggle with depression which is mostly stemmed from anxiety and sleep issues. I too find the flexibility and income potential of the adult business a godsend. I have my bad days/weeks but I keep on pushing. Saving as much as I can when I do 'bank' and never splurging on extravagant/unnecessary things.

    As for the debt, I have a little more than you and most are student loans. There are plenty of people out there that have a lot of debt (even so-called wealthy people) so please don't feel bad about it. I honestly don't think 17k is worthy of declaring bankruptcy. Even though your 'credit is in the toilet' as you say, you CAN improve it by making consistent payments to your creditors on time . Best advice I heard about paying off debt is to pay off the highest interest-bearing account first, and so on. (I don't know about the judgement thing, sorry I don't have any advice on that..)

    I know it's not always possible, but can you move back in with a family member or a relative? You probably would have to dance or cam in secret. At least try to find a place to live rent free for a while until you pay down a significant portion of your debt and you're back on your feet.

    I'd go on disability as last resort. You shouldn't have to sacrifice your health in order to make a living (well, unless your a crab fisherman or the like). I am not here to shame you into working either. In my opinion, your health should be numero uno. Please find a doctor or psychologist to help you with your issues. Perhaps you need medication if your problems are serious - which to me, they sound as if they are since it is affecting your ability to work.

    My thoughts are with you. Keep us updated!




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    Default Re: Debt, when you have little income

    If you're having trouble keeping up with your expenses, and you're okay with sex work, have you ever considered going to Nevada and working at a legal establishment? I think they provide you with a place to stay, and they take care of screening and security. It could be a way for you to save up some money and get ahead financially. Maybe some of the other members of the forum could give some of the pros and cons at working at such places, if that was something you would be interested in.

    Whatever you decide, I hope everything works out for you!

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    Default Re: Debt, when you have little income

    I know debt can be a scary thing. *hugs*
    But, you need to work hard to get rid of it.
    You have to remember that camming = you're responsible for taxes.
    So if you're bringing in 700.00, you're really only bringing in, say, for the sake of the IRS, 500.00.
    Aim for a higher goal
    If you're only on MFC, I suggest signing up for a few other things as well. Make clips on the side! There's a fetish for everything, you know. Clips4sale is great for that. I haven't done "well", but it's an extra 500.00.

    Investigate other camming websites. Consider escorting.
    I can't look at depression as a "con." considering I am completely and utterly depressed since my mom died and still make around 4000 a month.

    Keep your head on straight, girl. Smile. It will get better.

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    Default Re: Debt, when you have little income

    Quote Originally Posted by GlamourRouge View Post
    I would like to note that, the judgement will stay on your record 7 years from last activity. Like anything else. So if you paid it, it would just sit on your record for 7 more years, only with the note "paid" - but its still considered a derogatory account & still negatively affects your credit score.

    And even if you paid off your medical collections, they would still sit on your credit report under "Derogatory Accounts" for 7 more years after you paid them. If they are older and you haven't paid them for awhile (3+ years), you may want to let them fall off.

    If you do file bankruptcy, you can get new credit cards right away (my best score is almost 700 already & my BR discharged last year), a car loan right away (there are a bunch of BR-friendly cars loans- and NOT just in-house), and can purchase a home 2-3 years after the discharge. You may have a higher APR at first, but you can always refinance. Your amount of debt though ($17k) isn't really that high though.

    I know all of this because I went through your exact situation in 2009-2010, and did BR in 2011 which discharged in 2012. Though I had MUCH higher medical debt, and no judgments (but judgments work the same way as anything else on your credit report).
    You said in your other posts that your bankruptcy had already fallen off. Discharge does not mean it has fallen off your credit report. It hasnt been 7 years since 2012. You also said that you disputed everything to have it all removed.

    So which story is accurate?
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    Default Re: Debt, when you have little income

    Quote Originally Posted by Vamp View Post
    You said in your other posts that your bankruptcy had already fallen off. Discharge does not mean it has fallen off your credit report. It hasnt been 7 years since 2012. You also said that you disputed everything to have it all removed.

    So which story is accurate?
    Lmao I never said that. Please link me to that, because it just discharged last year. My score is 694 with it still on.

    I did dispute everything and had almost all of it removed (the bad stuff). And it never came back. All in addition, all of my medical stuff was completely deleted from my credit report when disputed, and I was going to contest it with the hospital & private specialists anyway by saying it revealed too much information (i.e. it indicates you are/were sick). Since discharge, I have since opened a few credit cards both secured (first card) and unsecured.


    OP you can follow my post-BR journey here: if you do end up filing. It is also helpful for fixing bad credit in general (why I wrote it).

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    Default Re: Debt, when you have little income

    is it possible to dispute collections from 2 apartment complexes that you owe money on from several years ago? I tried disputing both but only one fell off on transunion & the asshole debters kept calling me..... Could I still get them wiped off?
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    Default Re: Debt, when you have little income

    Quote Originally Posted by xxxGothBarbie View Post
    is it possible to dispute collections from 2 apartment complexes that you owe money on from several years ago? I tried disputing both but only one fell off on transunion & the asshole debters kept calling me..... Could I still get them wiped off?
    If a debt is paid in full you can dispute it and have it removed. If a debt is owed you can dispute it, it may be removed, but it doesnt stop them from calling, harassing, or reposting the amount owed to your credit report.
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    Default Re: Debt, when you have little income

    So what's the best thing I can say when I do an online dispute? I usuallly chose I didn't do it(Identity theft) , I've tried disputing these twice already & used 2 different choices but only one has worked for transunion :/
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    Default Re: Debt, when you have little income

    Quote Originally Posted by zerpa View Post
    I escort, too, but I don't see many clients because I screen heavily, which is generally the way I like it.
    If you can emotionally handle escorting, I vote you focus on that. Depending on how many appointments you are comfortable taking, you could pay your debt off a lot more quickly than you could camming.

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    Default Re: Debt, when you have little income

    Quote Originally Posted by xxxGothBarbie View Post
    So what's the best thing I can say when I do an online dispute? I usuallly chose I didn't do it(Identity theft) , I've tried disputing these twice already & used 2 different choices but only one has worked for transunion :/
    Like I said it wont stop the calls or make the debt disappear. You might want to give the disputes a rest. But what really happens is this...... when you submit a dispute for any reason it is sent to the orginal poster be a merchant or collection agent. They have to prove the amount is owed and that you did it. Now if the merchant or collection agency gets lazy or whatever and doesnt respond it is removed or the credit reporting agency askes for more information from you. So in theory you could put down any reason. Disputing too much might get your report flagged though.
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    Default Re: Debt, when you have little income

    Quote Originally Posted by xxxGothBarbie View Post
    is it possible to dispute collections from 2 apartment complexes that you owe money on from several years ago? I tried disputing both but only one fell off on transunion & the asshole debters kept calling me..... Could I still get them wiped off?
    Read the thread I posted as a reply (its a link)

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    Default Re: Debt, when you have little income

    I wouldnt file bankrutpcy on any of this. Bankruptcies will kill your lending options for 7 to 10 years
    If you do file bankruptcy, you can get new credit cards right away (my best score is almost 700 already & my BR discharged last year), a car loan right away (there are a bunch of BR-friendly cars loans- and NOT just in-house), and can purchase a home 2-3 years after the discharge. You may have a higher APR at first, but you can always refinance.
    A bankruptcy stays on your credit report for 7 years and can have consequences that extend even further.

    Obviously this appears to add up to 'conflicting' information. The arguable reality is that 'subprime' credit / gov't subsidized credit ( stated or stealth ) / gov't guaranteed credit will again become available rather quickly after a bankruptcy filing ... at least under today's programs. Another arguable reality is that girls with a known background of adult entertainment industry work may not be offered 'prime' credit even if their own personal credit history is untarnished ... thanks to new policies by certain banks and lenders that they simply don't want to deal with clients that have adult entertainment industry 'connections', or an assessment that as a 'group' adult entertainment industry 'connected' clients represent an elevated risk of loss for lenders.

    Thus, under today's economic conditions, there is arguably much to gain and little to lose by filing a chapter 7 bankruptcy ... which the OP appears to easily qualify for.

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    Default Re: Debt, when you have little income

    ^^^ A bankruptcy actually stays on your report for 10 years (unless its the payment plan one which wouldn't be worth it for OP). But it really doesn't do anything. I promise lol. No one really cares. You may have to pay a higher deposit here & there, or higher APR, but you can always refinance. The best thing to do would be to apply for a capital one secured card after discharge, but deposit is only between $49 and $200.

    Since my bankruptcy discharge last year, I have gotten approved for multiple credit cards (not just secured), secured an apartment in a prime location (and on a prime block!), and was even offered several pre-approvals for car loans (not in-house financing). And all of that is with self-employment. I mean, what else could I really need at this point? 17k is a low amount to file bankruptcy on though.

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