"Everything I have is in collections except my Jetta"

Dani, 26, Tulsa OK

Self-rated: 0/10

Personal Life:

• Bipolar

  • Had episodes she didn't know were episodes

  • On meds

    • Not very long, got diagnosed in Feb of this year

Career:

• Dog Groomer

  • "Not very much right now, I moved from Washington to Tulsa and I was making almost 3000 a month and I was in a high volume salon now I'm doing my own self-employment between two different salons umm so I'm bringing in post-tax maybe 1700 a month"

  • She's a 1099

  • About 30 hours at main salon, 4 hours here and there from other salon, based on how many clients she has, not making enough in commissions to make more than hourly

Debt/Expenses:

• $12 for therapy and meds a month

• Rent

  • $600 (includes utilities)

  • Splits with her partner "Jayden" (?) Not certain I got the name right

  • "Not in the best neighborhood but it is what it is"

• Doesn't have paperwork on her debts

• "Everything's in collections except for my Jetta"

• Car Mitsubishi Lancer: timestamp

  • Repo'd last year

  • Owes "just under 4'000"

  • 100 a month payment

  • Could afford it at the time because she was having a manic episode working 3 jobs at the same time

  • Bought in 2018, purchase price 10'000

  • 21% interest

    • Might not still have interest since it's in collections?

  • There was damage to the vehicle at the time that she didn't get fixed in time

• Car 2: 2012 VW Jetta

  • Owes $3'200 out of $7'000 purchase price

  • $200 monthly payments

  • Got it last August

  • Purchased through a friend

    • They purchased the vehicle and she pays them

    • Doesn't know the interest rate on this one, thinks it's 3 years

• Dental Credit: $875

  • In collections

  • "Why did you then not pay it"

    • "Basically because I just ignored it" timestamp

• "Banfield Debt": $682

  • Pet hospital

  • Paying $50 a month

  • 6 years old, just started payments

• Medical Debt:

  • Debt 1: $1'698

  • Debt 2: $1'144

  • Has not been paying either of these

• Card $1'296

  • 6 years old, has not been making payments

  • Not sure when the last time she made a payment

• "I am not a 'fall off the credit' kind of person but this could be the play" timestamp

• Dollar General

  • Lots of visits, mostly small purchases

• Lots of eating out

• Allegedly all the useless shit totals to around $400

Savings/Retirement:

• Savings: -$4.38 started, ended -$1 in the savings

  • Has a netflix sub coming out of this account

• Chime checking: -$4.63 started, ended at $7

  • a few apple bills

• Account 3: has $313 in it at the moment?

• I think there was another account mentioned but didn't catch the amount in it, not certain