EFFORTPOST New Final Boss of Foids just dropped, 20'000 29% loan because she got a flyer in the mail

I think I might have missed a couple loans but it was a little confusing.

Alex, 26, Houston TX

Personal:

• She buys whiskey flavored coffee grounds, based alchy?

• Claims to do "gravel biking" or something? Has some outdoorsy smart watch

• Nobody taught her how to drive so she got tickets timestamp

  • My dad literally told me to go get a car and drive it back to a city

  • She kept getting stopped for black plates and ticketed for other things until a Border Patrol agent told her?

• Got a dog at some point? timestamp

  • Dog bit her inhaler, a 2k medical bill

  • Dog timestamp

• She IS a credit card person timestamp

• Mentioned that she was kicked off of Lyft, she doesn't got into a reason

• Demands the studio wagie "prod*cer" pick up her pen after Caleb "drops" it timestamp

  • Now you can pick up both of my pens

• "It's not even that bad, it's like a quarter of some of the other people" timestamp

  • "I had no choice"

Finances:

• Car (2017 Ford Fusion)

  • Had a 10'000-13'000 13% loan that she refinanced against the car, 21'000 loan 29% interest

  • Late on her payments for this?

  • $404 minimum payment?

  • Her car is worth 8'000 at most

  • Told company she was considering a voluntary repo so they lowered the monthly payments, she doesn't know if there was also a term extension

  • Got this loan because she was unemployed for 6 months, she has a folder of loan offers she's received in the mail

  • Something about the dealer doing something weird while running her credit? timestam

• Late Payment timestamp

  • "I don't have a late payment"

  • "I just got the loan and yesterday was the first day I made a payment"

  • Caleb btfo completely, it wasn't a late payment.

• Loan 6'000 timestamp

  • 198 a month

  • Personal Loan 29%

  • To pay her rent

• Dissolved her 401ks, owes at least 1450 in taxes timestamp

  • "I didn't submit a 1099 form, I didn't know how, there was no part for that"

  • "When I was filing my taxes I just didn't see a part to submit it"

  • "Well they taxed me when I withdrew so I thought maybe they taxed it"

  • Was due in November but she "[hasn't] been able to get in contact with them"

  • She's drained her 401k twice?

• Credit Card 1 (paid off) timestamp

  • Ate a late fee on this one because she hadn't gotten the personal loan at this point?

• Card 2 ($402/$500) timestamp

  • Has a bunch of gym subscriptions?

• Verizon bill 2'000 payment timestamp

  • she discontinued services and had financed devices

    • Got herself a phone, his dad a phone, "he didn't like it so he broke it instead of letting me return it"

    • "He is living like a homeless person and I felt bad"

• Education - timestamp

  • 10'000 in student loans

  • "multi-disciplinary studies in business administration, digital marketing, and sculpting?"

  • Did not graduate

  • Transferred from one uni to another in her current city? Time frame is not accurate, thinks she has completed 90 credit hours?

  • "Technically I'm a junior" didn't want to continue remote because it was "stupid" as an art student

  • Thinking about paying her personal loan off with more student loan money?

• Owes some energy company 400 timestamp

  • Doesn't remember when this was

Career:

• Remote Call Center Rep

  • Got 6 months warning?

  • 6k severance (3 months?), she had to stay until her end date to get this?

  • 6 months unemployed

Firing Explanation timestamp

• Found another job but got laid off from that because they were "incompatible"

  • "I didn't like the way they ran things and then they didn't like what I had to say"

  • Something about the trainer making fun of the sexual harassment training and some other dumb stuff?

    • Actually this wasn't the issue she "kept this to herself"

  • "I have certain disabilities so I had to shut off my camera so they said that I was shutting off my camera way too often"

"Well when they fired me they used different reasons"

"They had pulled me into a conversation and they were like really aggressive and they said like 'you keep shutting your camera off' and like i-if you do this you're going to get fired' but I told them like I have a disability -"

"What's your disability?"

"Huh oh - I have overactive bladder and I have asthma and I have allergies that trigger my asthma"

• She uses a wireless headset so she can stay connected while using the restroom? She thinks they didn't know this? That they didn't know she was still listening or that she has a disability? She told them in the "if you keep doing this you're going to get fired" meeting.

• She mentions later that she turned down calls from other jobs offering because she was hoping for a higher paying role