Im 20 years old, I have faced many obstacles and problems that I have had to go through alone with no help and the help I recieved wasn't ever any good. I have faced women problems, friends moving, suicide, killings, deaths, car accidents, sibling rivals, fighting, weird hobbies, my best friends being raped. I have been through a little of everything and I was the one many of them turned to so I like to help out.
Hobbies: I do a lot of work in recording studios, and video/editing studios so I know film pretty well. I am a director/producer. Thats what I am in school for, to further my knowledge of set production for I am a pre production wizard. I read a lot so I have knowledge. And more.
Education: I graduated at the top 15 percent of my class in high school which was college prep, and right now im in my 3rd year od college. I have an AA degree in media arts, a 6 month screen writing certificate from NYFA. I am 11 months from my BA in FILM and HDTV, and I am a semester away from an International Business Degree.
SO if you have any questions im polite and easy to talk with and you can ask me any question you have, I will be honest no matter what.
E-mail: spin18@aol.com
Gender: Male
Location: New Mexico but live in AZ
Occupation: Sudent/Film and TV Producer
Age: 20
AIM: Tightwireprod
Member Since: January 15, 2004
Answers: 446
Last Update: July 6, 2006
Visitors: 22644
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I have a lot of debt (long story) including some that are now on my credit report. I am near bankruptcy, although I am not seriously considering it at this time.
I was wondering, if I had extra money to pay off debts, which should come first?
Current credit card debts - because the average interest is about 20%
Student loans - although the interest is low (around 5%) this can never be included in bankruptcy.
Car loans - although the interest is lower than credit cards, your car can be reposessed and a car is essential if you want to be employed.
Bad debts on the credit report - they have given up trying to get me to pay. If I pay these, my credit rating will improve, but at this point there is probably not much advantage.
Save money instead of paying debets - I can see saving for an emergency, but I think there is not much point in this situation.
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Actually get rid of your credit card debt because those are hard to get rid of, but what most people like to do is simply divide the money you are going to spend on getting rid of debt and split it on to getting ride of two debts, its faster.
Cspinoza1
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