So scotia bank threatened to sue me for $1000 lol (long story but my sugardaddy that introduced me to my twin was the vice prez of that bank so I was like woah woah hold on scotia playing it pretty strong since you guys were literally in my ass lol ) so avoiding potential legal fees for that amount I settled with them for $360.05 was it $360.04 ? so I am totally laughing cause I wiped out $1200 with a $360.05 payment lmao- anywho I made a firm decision to wipe out most of my 2k debt by about november USA election and be in a more favorable position financially see a few places I approached to pay off some were really really friendly and nice and civilized about it all but one was using really hostile and toxic tactics and tried to get my banking info immediately I was like hell no bitch I was willing to work with you on this until you can treat me with more civility u can go screw yourselves lol just kinda wipe out two minor accts in a couple weeks and really work on this cause 2k isnt a lot but nothing near what I have heard people owe and they will enact legal proceedings and judgements against you they will garnish any payments made to you by default judgement in a court if you ignore their threats or possibly even imprison u -one of the worst pieces of advice I got was to step away from credit counselling hahahaha regretting that now but I was able to secure a credit card after like 4 years without so now you kind of need one to use for certain purchases and it acts as an identity tool and some people dont have like actual valid revolving credit accts and some people are so bad off financially they either do not have access to a chequing acct or their finances are managed by a trustee of sorts never want to get to that level -nobody will like take you to the lethal injection over $2000 but that is a big hit to take all in one month if they like demand payment all of a sudden or you just ignore the legal depts of some banks not a place I want to be in -people say I am horrible with money but I think I make the right decisions with what I do have in the moment the problem is not that I cannot manage money the problem is is that there is so little of it that I have to really be resourceful sometimes a lot of $144 expenses or $240 things come up all at once I mean I think I do pretty well just to get a 6 pack of chav underwear is like $60 wtf? like a tomato here (hothouse) is like $3.89 !!! for a freaking TOMATO!~!!