Posts by Alex White7

Nicholas King said:So, you’re telling me you have steady income streams during that period—like from a Zubic villa?

Honestly, you don't sound like someone with a career where finding work is easy, losing it is hard, and the paycheck is substantial.

Why on earth would you be taking out a new loan just to cover existing ones? Where is this rush coming from? Or maybe... I don't know, maybe you've only shared a fraction of the actual story here...

Daniel Davis40 said:Can someone explain why you’re so desperate for that $25,000 that you'd be willing to do just about anything to get your hands on it?
Look, my take might not be popular here, but I honestly don't get it—how can people working full-time for seven months straight not manage to save $8333, yet they genuinely believe they'll somehow scrape together enough to pay it all back—plus interest—in the next seven, fourteen, or twenty-one months? Some people clearly lack even a shred of self-awareness or basic logic.

Edit: Just caught the last post. Honestly, I don't understand the math behind these moves—taking out a second loan just to cover the first one? It would be so much simpler to just tighten your belt, pay off the debt without piling on more, and then actually live within your means.

boldnomad45 said:I've always wondered who takes out loans from loan sharks if they aren't a gambler.
Go work in Ireland, or maybe Austria for a few months; you'd make that kind of money.
And I'm genuinely curious—what's so urgent that you're even considering loan sharks?
You're anonymous here, so just say it.

My dad passed away almost two years ago, and he left behind a mountain of debt that we’re still chipping away at. We also had to borrow money for the funeral because it all happened so suddenly, and then last year we had to buy a new car since fixing the old one just wasn't worth the cost anymore. On top of that, I was sick for six months, so my mom was the only one bringing in any income. I finally started a new job last month—it's a contract position, and the pay is a bit better than minimum wage, unlike my last one. But with everything we have to pay off, and most of my mom's paycheck going toward my late father's debts, there's just no way I'll be able to save any significant amount of money even in five years.

It’s urgent because I need to get out of here. I’ve been putting this off for a long time because it’s easy to feel guilty when you're dealing with the person who gave birth to you (and there's some other bullshit involved), but if I don't leave by my next birthday at the end of next year, it won't happen. Leaving this house is my last shot; nothing—not the meds, not the therapy—is helping, and even Sparrow is useless to me.

I was planning on using that money to clear off the rest of my debts and put down a deposit on an apartment in a bigger city. It would mean my mom could finally be free from my dad's debts, so I wouldn't have to worry about her anymore. Then I could actually be "free" from this current circus and try to build a better life for myself.

Finding work won't be an issue for me since I've done just about everything and have plenty of experience, plus the pay is decent enough in the city. My plan was to borrow the funds with a set agreement to pay them back by a specific date next year, say early June. I’d land my first job and stay there long enough to qualify for a bank loan, then pull out exactly what I owe my lender—at least the interest rates at a place like Chase would be reasonable.

Unless money just falls from the sky, I don't really have another option.

Ronald Green3 said:Loan sharks? Please... When I was younger, I actually dabbled in that world for a bit. I’d lend someone $2,000 and end up handing over $10,000 or even $20,000 just to get them off my back, and they’d still somehow owe me money. Eventually, I just lost my stomach for the whole racket.

What would you do?
I was thinking about using part of this money to pay down what I still owe. My credit score should improve by next year, so I'm planning to apply for a loan at Bank of America to just clear everything out in one go. Is that unrealistic?🤔

Nicholas King said:Selling your soul to the devil is one thing—but when you deal with loan sharks, you’re basically putting your physical safety on the line, too.

Are you honestly, truly certain that you'll be able to keep up with repayments when the interest rates eventually skyrocket to some absurd, predatory level? It's a massive gamble. Unlike taking out a standard loan from somewhere like Bank of America, where a missed payment might just mean a stern letter in your mailbox, dealing with a shark means you won't be getting polite correspondence. Instead, you'll likely find someone like Steve—someone volatile and prone to violence—showing up right at your front door.

I've never actually dealt with them, and honestly, I don't know anyone nearby who has either. Is there no way to work out a deal with people like that?🤣 I'm not sure what else to do. Companies like those online lenders are pretty much all the same, though here at least I can borrow a larger amount for a slightly longer period. Asking friends or family to take out a loan for me is basically impossible since they have enough problems of their own, and I don't want to be a burden. It isn't about pride—I left my pride at the door the moment I started begging for money online.🤦

I stuck it out at this job for seven whole months just because I needed a loan, and now it was all for nothing. Because of everything happening with the pandemic, the bank tightened their requirements, and it turns out I’m on a blacklist, so getting a loan from my bank—or any other bank—is completely off the table. It all traces back to a $40 issue that really screwed me over. Even though I paid off my old debts (the bank actually admitted that to me) and worked out a solid payment plan with them (I was unemployed for about six months last year, which is why things went south), they're still claiming they didn't report me correctly, even though the credit bureau says otherwise. I have two tiny loans that JPMorgan Chase set up for me to cover an overdraft and some small charges on my Mastercard, and I'm almost finished paying those off. I stay on top of all my bills and don't buy anything expensive since my income isn't that high, but that Mastercard charge was a necessity. Anyway, I desperately needed that loan, and now I'm stuck.
So, does anyone know where I can borrow $25,000 $0.00?
And why would it be a bad idea to turn to payday lenders? Honestly, selling my soul feels like my only option right now. Looking through these loan advertisements, desperation is starting to outweigh common sense.