u/Dazzling-Grass5550

So I F20 am trying to ride myself of bad decisions I made as soon as I was 18. My father convinced me to get into the family business our trailer business, his idea was him using his truck for my travel trailer and renting it out.

My Income is relatively strong making 66,000 a year.

Evidently what ended up happening he files for bankruptcy, meaning I have a trailer and no truck to hitch it to. Id like to sell it but when he did the entire loan for me, he put it to 10 years and 24% APR, me being barely 18 I didnt know this was extremely bad. Im trying to become financially free but dont know where to start or which to do first.

Id like to split the negative equity on the trailer and sell it within the month.

Loan amount: 10,770

APR: 24%

Est. Street Value: 9,000

This means I need to put 1770$ towards it before I can sell.

My next means of fixing my credit is my credit cards

My biggest card is a Yamaha Finance Card I got when I got approved for my 2025 R7 purchase.

Credit Card Balance: 2,990

APR: 23.99%

Credit Card Balance: 657

APR: 29.74%

Credit Card Balance: 138

APR: 28.99%

Credit Card Balance: 129

APR: 17.49%

Credit Card Balance: 104

APR: 26.49%

My question is how to get these APR's lowered? They seem ridiculous for the 0 benefits Im recieving from these cards.

My last source of debt is my 2022 Ford Escape, I got it last year in April and it was at 24% APR but I refinanced last month.

Loan Amount: 23,000

APR: 9%

I'd like to only break even with the car and buy a cash car.

I dont want to end up like my parents in bankruptcy.

Just to be clear for new comments, Im not selling my bike, it is the most reliable vehicle that I have, my car is not reliable and that is the reason I got the bike. Im not asking if I should sell the bike, Im asking what should I put my money towards first.

Hello, I was wondering if Im able to get a replacement for my motorcycle permit? The rain in california got it soaked and its not legible now, I already replaced my MSF course and it will be coming this week.

We've been together for 6 months

So I F20 am in a relationship with a M28 we live together, have been for 4 months (I had a bad situation at home) and I dont know what I want, Hes constantly telling me I am the problem and I dont know if I can handle it. Hes constantly telling me that hes not good enough for me when I voice somethings bothering me, he overall is extremely insecure. He made me stop doing tiktok (which was a source of income) he stopped letting me hang out with friends without him, he constantly says that im going to cheat on him or used to, he hasn't said it much anymore. He gets upset when I bring up anything negative. I feel like Im walking on eggshells and I have nothing to do about it.

I love him and I honestly dont know how to function without him but im unhappy.

The highs are really high but the lows are low. When we dont argue it feels like the perfect relationship. He talks to my father and mother about my behavior like a child. He tells me in arguments that hes going to talk to the grown ups (telling me im a child) yet he gets upset at the littlest of things and yells at me instead of communicates, he leaves me out of his life.

We used to talk on WhatsApp and he deleted it after an argument now we use Google messages, we had life360 and after an argument he told me I was controlling and he feels watched ( I only used it to see when he would be home)

He got upset and told me to take the costco card we both have and he doesnt want to be sp attached to me.

He told me last night that he tells me to leave him and hes going to be done with the relationship after every argument because he knows ill come back.

I dont know what to do..

So I made a pretty popular post about 2 days ago and ive come with a long awaited update.

I did go through with calling my internet company and they said it will end the end of this month, well I have bad news. My father was laid off from his job today, meaning its more than just internet now, its their house, my little brothers future, and my mothers sanity.

They are thinking of moving to Oklahoma because my father has a job opportunity there. I feel if I did go through with this that they would have an even harder time. I am only 20, I dont want my parents to be 2500 miles away from me, its scary.

My mother makes the same amount as me and cannot pay for everything herself.

By popular vote I was told to cut contact because of their immaturity to take accountability and although that is true and they should have done that, they may lose their house, their car, etc, and at this point I dont feel 160$ a month for them to have a little luxury in this hard time is wrong of me to give them.

Im taking my mother out to the movies and lunch for mothers day to help her forget about the bankruptcy and I know its my father's greedy actions that led him to this but I cant help but sympathize for the people that raised me until I was 16.

I cant tell my actual parents about this because I took to reddit, ive been with my boyfriend for 7 months and live with him (I know everyone will say its too soon but my family situation wasnt the best). I work well for myself making 32$ an hour as a 3D Engineer but I dont know if im ready for a child, I just got a positive test today. I just need acts of encouragement or someone to talk to.

So for context, I (F20) recently moved out about 3 months ago. I used to pay the internet bill because I was the only mostly needing the internet for gaming.

My father also uses the internet and works from home as well as games, same as my little brother.

Since moving out we discussed them taking over the internet bill, it is under my name and account because they couldn't with their credit history. They filed for bankruptcy.

They make good money and bad spending habits got them in this predicament. After all their bills they have about 4400 of spending money after taxes. Bankruptcy takes 1400$ a month from this sum(5800$ aka 4400$ after) They are a family of 3 and I dont believe thay they cant live off of 1100 a week between gas, food, and other things.

My mother just spent 100$ on clothes this past week and my father gets a 600$ spending limit a month. They dont need all these things but want them and have been neglecting to pay me for their internet.

Its 155$ a month for reference, so its not like they cant afford it. I however make about 4800$ after taxes and nearly all of my paycheck goes to savings or paying of debt (I guess spending money runs in the family).

They haven't paid last month or this month so im out a decent sum of money I can put towards my debt so I dont have as high interest, Because they have been crying poverty.

But I just want to know if AITAH for wanting them to pay me for their internet bill?

EDIT: here is an image of the conversation of my father and I, telling him to get his own account.

ME: I want the internet to go into your name

FATHER: U know we cant and why

ME: Yes you can ive looked it up

FATHER: No we r in bankruptcy

ME: It says you can

FATHER: Not if your in babkruptcy

ME: You should just call ME: Youre not financing internet ME: Youre paying for it

FATHER: That is if u have a acct already

ME: Look at the LAST ONE ME: You can switch to a new provider after filing ME: You just cant finance phones

FATHER: Ya after filing and we havent finished filing

ME: You dont check

FATHER: Why cant u just wait. I didnt even want this internet u threw a fit to get me to switch

ME: Its been a year

FATHER: And?

ME: And i dont want it on me anymore ME: So this doesnt happen again id just be cutting the problem where its at

FATHER: I have enough stress to deal with so just stop

EDIT: alright I hear you guys, ill be canceling the internet and they cant figure it out.

EDIT: for reference of my father's character he stole 5600$ from me by not paying the vehicle he had for me under his credit.

TLDR: instead of paying the entire payment of the car when I sent him money on the exact day each month, he decided to spend it, the balance is 3k late payments and fees and told me I had to pay the difference so he could sell it.