UPDATE: So I Have 8 Payments To Make That Must Be Over $50. I Told This To The Person Who Defaulted On

UPDATE: So I have 8 payments to make that must be over $50. I told this to the person who defaulted on the internet bill. "How much is the payment plan" when I told him that $50 over 8 months only amounts to $450.

I have commissions open, though they will be slow due to me consistently depression napping and always in bed lately.

You can find the commissions here: https://ko-fi.com/curruidcoinhenn/commissions

The OG text is under the cut.

Hi.

So, recently, I've ended up in debt. Wow, how could I. The thing is, I've never been in debt before and I, rightfully, freaked out about it yesterday. I owe $730.03 for a service I barely used for a month because it's in my name and the person who was supposed to pay it stopped paying it on time. Leaving it to go to a debt collector.

And yeah, that was my bad! I learned my lesson from it. No more having bills in my name that aren't paid for by me. The rest is kind of long and rambly so you can skip to the tl;dr by pressing ctrl+f and typing in tl;dr.

I woke up yesterday to a text message about it and cried. I cried, I contacted the person who was supposed to pay, who said he'd fix it but never paid anything towards it last month. Leaving me to get called and texted by debt collectors.

And yeah, I get it, money's tight during the holidays. The unfortunate thing is that this guy? I know he's paid bi-weekly to do barely anything but game at his work. He's got loans, he's got debt to a lot of things he never paid off and I should've taken that as a sign.

I didn't. I stupidly believed he'd pay and he just let it get later and later until I bothered him about it. And then he'd pay, and the cycle would begin again. He told me to cancel it, I tried, they wouldn't unless I paid.

The account is closed now. And the bill got sent to a debt collector.

I want to get this squared away as soon as possible. Clear it out so there's nothing tying me to this anymore. To a bill I struggled to pay until I told him to take care of it because I couldn't pay it anymore-- pay for a service I wasn't using. I scrambled month to month to get the $180 needed to pay for that bill because it was oh-so-important.

And I've tried to help him with this. Tried to help him with his finances and bills, as I'm broke consistently due to being unable to get a job (and I have tried for years) and cut things out when I'm not able to afford them. Yeah, he's in debt to people. He's got loans, but he has payments to pay them back that don't affect how much he can put towards bills. I've calculated how much he can put aside back when he asked for my help (which he never took! I may be bad at my own finances but that actually makes it easier for me to help others, funnily enough), and he never did. It was suddenly all gone every time.

tl;dr: I bitched for a while about how I tried to help this guy but he didn't use the help I gave him (after asking for said help).

But. That's not the point here. The point is, just like that damn phone payment he made me pay when I didn't have the money to and had to beg for help on it, he's left me a debt I can't pay.

And I hate it. I hate that I can't pay it.

I have a Ko-Fi set up. A goal set up. It's $750 for the goal because I don't know how much'll be eaten by fees and it's better safe than sorry.

I'm struggling again, and I hate it. The new year has given me a debt that I can't pay, and I have to rely on help from everyone else.

If you want something like a doodle or something for your assistance, just IM me here. I'll try to draw it to the best of my ability (sfw only)

The ko-fi is here: https://ko-fi.com/curruidcoinhenn

If you can donate to help clear it, please do so. If not, please at least share this so someone can help. I appreciate it all.