consumerfinance.gov VS unburyme

This was a nightmarish read. I'm glad he was eventually able to get the replacement paid for.

On top of your state's DOI, there are a few agencies that can (typically) be used to bring insurance and other companies more swiftly into compliance with the laws they're meant to proactively follow:

* Many state AGs are responsive to well-documented problems and will send a warning on official letterhead.

* This won't work for insurance, but the CFPB[1] has a relatively smooth complaint process for financial issues, and (anecdotally) generally produces a rapid outcome.

[1]: https://www.consumerfinance.gov/

These are the people you're looking for: https://www.consumerfinance.gov/

Consumer Financial Protection Bureau complaint should be filed. https://www.consumerfinance.gov/

It felt like I would never get my money and after two months found out about CFPB and filed a complaint. About 3 weeks later chase magically found all the documents and mailed a check for the balance.

[0] https://www.consumerfinance.gov/

Submit your complaint anonymously to a government agency. Like https://www.consumerfinance.gov/

Were you a Bank of America customer between September 2018 and February 2022? If so, you may be entitled to a payout. Between those dates, Bank of America allegedly charged fees repeatedly on the same transaction, failing to honor special offers and rewards, and enrolled consumers in credit cards without their knowledge or authorization to meet sales-based incentive goals. This resulted in the bank pocketing hundreds of millions of dollars from the fees, which substantially harmed consumers, the Consumer Financial Protection Bureau (CFPB) decided this week.

Check your credit report. You can get to the free annual ones through the CFPB’s website, https://www.consumerfinance.gov

Look into the snowball vs avalanche methods for debt repayment (see here for an article overview and here for a reddit discussion). Figure out which one is more likely to be more helpful to you given your current financial situation and make a payment plan based on whichever method you decide to follow. Given that you're visibly struggling with cash flow, I'd tentatively recommend the snowball method (at least, at first) so that you can eliminate a few of the smaller balances you're struggling with and free up some money to pay your other expenses. Check out https://unbury.me/ to help you calculate all of this.

You can run the scenarios here though... https://unbury.me/

If you want to compare the two methods lookup avalanche vs snowball. Here is a calculator to help guide you: https://unbury.me/

With that said, I would also recommend that the two of you start doing your finances together, and both have an accurate overview of all of your assets, all of your debts, all of your financial obligations. Then the two of you together can start making decisions on how to move forward. And you can support each other in making the right choices along the way. A debt calculator could help you understand how long it will take to pay off debt, a compound interest calculator can help you dream about the money you can accumulate if you were to start saving and investing.

I recommend https://unbury.me - great tool to help you plan paying off your debt.

https://unbury.me is an excellent tool for visualizing the optimal paydown strategy.

Here’s a great tool that can help you plan how to pay off your debt. Strongly recommend the snowball method. https://unbury.me/

Consider reaching out to workforce development organizations. Maybe the problem is your resume, and they can help you improve it. Maybe they'll know about other job opps. Work it! You don't have to make much more to break even. It seems too soon to be considering bankruptcy. You didn't say what the total amount of your debts are, though. Run them through https://unbury.me/ and figure out the best order in which to pay them off.

Consider https://unbury.me for planning.