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I have gotten another job and now took out a payday loan, in good timing too because my car was about to be repossessed. My employer is also taking wage garnishment for the state.
I was hoping I would soon be able to get a house, but I ruined my credit so much that I could not even get a mortgage. I then had to go to credit counseling, they suggested for me to file for bankruptcy, I filed for Chapter 13, so I could still keep my assets.
7 years passed and i worked on cleaning up my credit. I no longer have wage garnishment, and I am very happy in my apartment.
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