Im in about 5K of debt that I have to sort out soon. Rent, car and so on and I just haven't got it. Cant get a bank or loan or anything. Anyone got any tips. Doesn't have to be legal.
You have seen lots of options in this thread, but without more data no one can give you informed advice. Counsel that is inapplicable to your situation is useless. What kind of debt do you have? How much? Be specific. When is it due? Again, be specific. Why can’t you pay the bills? Did you have a recent job separation or have you been unemployed for a protracted period? Presumably you have no savings available to you. Why not? No family or long term friends to borrow from?
The bills you do mention (rent, car) are recurring so paying them now only means they will come back in a month. What will you do then? If borrowing from someone is one of your options, you have to be prepared to answer all of the above to your lender’s satisfaction… and you must do so with humility and with no attitude. Since you have a car driving for Uber or a similar service would appear to be an option (assuming your vehicle is in suitable condition). If you’ve seen the Muscle Escorting thread you know that is an option (assuming you are in good shape), but it is a very slippery slope and typically does not end well... do not go there if you can avoid it.
Over the last five months I have loaned money to two friends totaling $2300. One paid me back in two installments. The other is still making payments. In each case, they answered every question I posed and articulated a viable path to repayment. In your case, borrowing from Peter in order to pay Paul does not solve your problem as you are merely transferring the debt. You need to trim your expenses, live below your means, and raise some extra money… perhaps in a temp job like waiting tables, working as a bartender (again being in shape helps), or driving for a ride sharing service.
