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So basically over the course of the past year i have accumulated a bunch of stupid debt from different places. the bulk of it is from me leaving a house that i was on a lease with, mainly unpaid bills and back rent which comes to a total of just under 3,000 dollars. i also owe a bunch of money to payday loan companys, about 1,500 all across the board. and then there are a few other stupid things that kinda bring it all up to somewhere between 6 - 7000 dollars. how am i supposed to pay all of this off and survive? i only make about 1,800 a month which is close to nothing to live on in new york. i understand that this all came about because of my own stupidity but now im ready to fix it but i just know how.
The rent that you were under contract to pay probably by now has a judgment against you and will follow you until you've paid it entirely in one lump plus interest and the creditor's attorney fees. Never get a payday loan, but of course you already know that. You're made those bills so now you need to pay them off. You'd need to get a second or even a third job until you pay them off. Living in Kansas is costly and I don't know if you can live several people to an apartment or not but you've got to cut your expenses somehow. You might say you are ready to fix it but you're not saying you're going to work it off, instead you're saying "how do I get out of it" so I suspect you haven't learned your lesson. If you only had credit cards then CredAbility could help you cut off the interest, but your problem is that you have a judgment and you didn't mention what other stupid things you bought for up to $7,000. Since you're not even being open and fully revealing all the facts to us then how do you even expect to be honest with yourelf? Yeah, get out and work it off, stop spending, and downsize.