Pearl - April 11, 2025


Entitled Women Are Going BANKRUPT… And BRAGGING About It Online


Episode Stats


Length

12 minutes

Words per minute

199.57014

Word count

2,538

Sentence count

1

Harmful content

Misogyny

10

sentences flagged

Toxicity

2

sentences flagged

Hate speech

6

sentences flagged


Summary

Summaries generated with gmurro/bart-large-finetuned-filtered-spotify-podcast-summ .

In this episode, I talk about my experience with filing for Bankruptcy at the age of 24 when I was 24 years old. I explain why I did it and why it was important for me to talk about it so that others don't have to go through the same.

Transcript

Transcript generated with Whisper (turbo).
Misogyny classifications generated with MilaNLProc/bert-base-uncased-ear-misogyny .
Toxicity classifications generated with s-nlp/roberta_toxicity_classifier .
Hate speech classifications generated with facebook/roberta-hate-speech-dynabench-r4-target .
00:00:00.000 i knew she can't be making good decisions when i saw the chest tattoo so let me get this straight
00:00:04.720 this is what i've gathered and this is just from this is just from what they're saying
00:00:10.240 you can get it off your record in i think seven years they don't take your car or your house
00:00:16.160 and you don't have to pay it back wow why be a good person modern women spend too much money 1.00
00:00:23.520 and put themselves into too much debt car loans that are too high upside down mortgages student
00:00:29.600 loans spending too much money on travel it all adds up to mountains of debt now what happens
00:00:36.160 when these women can't pay off this debt they file for bankruptcy and of course they go online and 1.00
00:00:41.760 brag about it so let's react to these women that are bold enough to go online and talk about filing 1.00
00:00:48.000 for bankruptcy when i was 24 years old i filed for bankruptcy and i feel like i'm finally ready to
00:00:54.000 talk about it i feel like a bit nervous about talking about it because people probably don't
00:00:59.120 see it but whenever i get like hateful and rude comments i just delete them so i feel like this
00:01:04.000 is opening me up to that and yeah i'm just a bit nervous about it but i'm gonna share it anyways
00:01:09.840 so people have better understanding of my background why i am the way that i am about money so i filed
00:01:18.080 bankruptcy in november of 2018 i think it stays on my record for another two years which is why i'm kind
00:01:24.080 of like whatever like i'll i'll just talk about it now because it's gonna pass soon but yeah so
00:01:30.000 basically what happened is i won't get into the whole long story but i ended up racking up 25 000
00:01:37.920 worth of like credit card and line of credit debt i didn't have the proper education on money yeah and
00:01:46.000 that's what they do google is free there's courses out there the information is out there but when
00:01:53.120 men mess up they blame it on their character where when women mess up they blame it on their parents 0.99
00:01:59.520 or lack of resources and on budgeting you know like if a man went bankrupt he just says i'm an idiot 0.98
00:02:05.920 do you know what i mean he just says i messed up you know he doesn't say it was my lack of education
00:02:12.720 when google exists right and when i was able to get a credit card and have credit i used it way it
00:02:18.800 worked for me is i met with a debt person i showed them all my debts basically signed over everything
00:02:26.480 to them and i ended up paying i think like i think it depends on your income it depends on your debt i
00:02:31.920 don't know exactly how it works i honestly forget i ended up paying like 180 a month for nine months
00:02:39.360 and then my debt was cleared and include my car because i never missed a car payment and i didn't
00:02:45.120 include my student loan because it was too new and if it was like within five years your student loan
00:02:52.400 had to be more than five years old i think i know that people are probably going to ask about that like
00:02:56.640 why didn't i lose my car i want to get rid of it and it's obviously very hard to get a car and get a
00:03:01.920 new loan with a bankruptcy on your record so this is why i am so like budget conscious and i really
00:03:10.880 do try and spend responsibly as best i can and why i'm kind of like uptight about money and like
00:03:17.360 everything needs to be perfect plus the fact that i live by myself and i'm the only person that pays
00:03:22.160 the bills like it only falls back on me i don't have anything else to rely on so that is why i am the
00:03:27.840 way i am about that and while yes you can say why would you listen to my input like i'm in debt or i
00:03:34.880 filed bankruptcy but like that's more reason to listen to me because i've gone through it and so
00:03:41.120 my purpose is to like help other people not have to go through it too anyways let me know if you have
00:03:46.800 any other questions i feel like this just gives you some context and lets you know that i'm a human
00:03:51.680 being and i've made mistakes i've definitely learned from them i feel like the debt i have now is definitely
00:03:57.040 not a mistake it's more out of necessity but wait so she got into more debt okay at least 0.98
00:04:03.920 i don't see fake nails and a bunch of fake stuff on her that's the worst when women are complaining 1.00
00:04:09.280 about debt and you're like you have fake nails i filed for chapter seven bankruptcy which means
00:04:15.360 that i did not have to repay any of my creditors even a small portion and the reason that i was able
00:04:20.160 to qualify for chapter seven was because i was not making enough nor did i have enough assets
00:04:24.320 to be able to repay my creditors to so you can just file bankruptcy and not have to pay any of it
00:04:30.400 i declare bankruptcy wow a significant degree for those who are going to ask i had sixty thousand dollars
00:04:39.440 of debt when i filed for bankruptcy so that mostly included credit card debt as well as a ten thousand
00:04:44.960 dollar personal loan and i would say that i did not actually you could just so her options i don't know
00:04:50.960 anything about filing for bankruptcy so her options is 60k pay that back or just file for bankruptcy 0.97
00:04:58.400 it goes on your record for seven years and then you never have to think about it again or pay it back
00:05:03.840 god there is no incentive to do the right thing ever anywhere will we personally rack up sixty
00:05:09.760 thousand dollars in credit card debt i would say that i racked up probably around 30 and then i had
00:05:14.400 the ten thousand dollar loan so forty and then twenty thousand of that was quite literally just
00:05:19.840 fees and interest apr right so that is why i'm so adamant about talking about my bankruptcy and why
00:05:27.120 i'm making the series talking about my bankruptcy because a lot of people's debt is not actually like
00:05:32.960 money that they borrowed or took out it is also the exorbitant and predatory interest rates that these
00:05:39.360 banks charge i was privileged enough to not have student loans included in or did not have student
00:05:44.800 loans period so i i don't know about including student loans in a bankruptcy as far as i know
00:05:51.120 you can't include them but i would definitely look it up in your state and also just look up
00:05:56.240 other ways to get your student loans forgiven if that is one of the major contributors towards your
00:06:01.360 debt the other thing that you can do is you can talk to a bankruptcy lawyer or a debt lawyer
00:06:06.080 i will tag jay who was my bankruptcy lawyer he works in california so if you don't live in california
00:06:12.080 you're going to need to find a lawyer in your area but he answers a lot of questions about student loan
00:06:17.280 debt so i highly recommend giving him a follow and going through his content and just in general for
00:06:21.840 the series asking questions or answering questions about my bankruptcy um please please please leave
00:06:26.560 questions in the comments and do not privately dm me because i get paid to help people and coach people
00:06:32.160 for a living and so i don't oh my god why how do you wow so now that's always what they do women 1.00
00:06:38.240 fail at stuff and then coach people in it isn't that crazy i don't love giving out private information
00:06:44.880 and advice i also don't know your situation so i cannot give too specific of advice or guidance
00:06:50.560 google is there is no incentive to do the right thing in america you might as well just go be a
00:06:58.560 terrible person because society will just reward you for it you can spend 60k not have to pay it
00:07:05.200 off and then get it off in a couple years truly like an eye-opener i've realized i've done so much
00:07:11.840 in these last like six months it's actually insane that was needless to say but yes there's an update
00:07:17.280 on the bankruptcy i did file bankruptcy and i am awaiting in that discharge luminous era type thing
00:07:23.840 going on right now and that is because before decision on my car as you know i've been preaching that
00:07:28.240 you can do a reaffirmation or redemption for your car in a bankruptcy you do not have to lose
00:07:33.280 big assets like car house all that other good stuff in the city i live in car so you don't even
00:07:38.560 they don't even take your car or your house it's kind of a necessity because it is a smaller town so
00:07:43.440 slowly but surely all my other death has been like knocking off or closing accounts and i gotta go back
00:07:49.040 on my credit reports and kind of clean up the accounts and get them off my reports but as far as
00:07:54.640 the accounts themselves they are closed and they are like charged up like they're they're done
00:07:58.720 they're not attempting to collect any more dead because it's illegal it says i'm dead during a
00:08:03.200 bankruptcy and especially after this discharge you're going to jail where was i going with all
00:08:07.440 of this so yes i did file the bankruptcy and in order to keep my car i do have a court hearing next
00:08:12.560 week i knew she can't be making good decisions when i saw the chest tattoo so let me get this straight
00:08:17.840 this is what i've gathered and this is just from this is just from what they're saying it you can
00:08:23.680 get it off your record and i think seven years they don't take your car or your house and you don't
00:08:29.920 have to pay it back wow why be a good person bankruptcy update because a lot of people are facing
00:08:37.200 unemployment right now and when you are unemployed it is the perfect time to file for a chapter seven
00:08:41.040 bankruptcy which is when all of your debt is forgiven wiped out yes you have a bankruptcy on your
00:08:46.480 credit score i promise you you are not alone you can still do things like purchase a new car get a
00:08:52.720 mortgage for your home why why why do the right thing i mean all these women are telling me is i 1.00
00:08:58.320 can do whatever i want and there's no consequence it obviously shows up but it doesn't completely ruin
00:09:03.360 your life if you make above a certain amount of money you will not qualify for a chapter seven and
00:09:08.560 you can only do a chapter 13 which is where they restructure the debt and you have to basically pay
00:09:13.280 all of it back my husband and i acquired a lot of debt in like more 2021 2022 than 2020 just the loss
00:09:20.320 of income from me having our son and then his loss of his salary we just could not we just could not
00:09:25.680 get back on track until i went back to work when my son was about one years old so we carried that
00:09:30.320 debt with us for years and years and we were paying about sixteen to eighteen hundred dollars a month
00:09:36.080 in debt payments you know i would like re i don't even know what it's called right now consolidate the
00:09:40.880 loans and blah blah and i had like a banging credit score but i was miserable it was so much
00:09:45.760 money and when i finally learned about bankruptcy i was like why didn't i just do that when we were
00:09:51.920 really struggling then our incomes were too high i don't know why you would you wouldn't do you know
00:09:57.600 what i mean and i couldn't qualify for a chapter seven but guess who just got fired it's terrible
00:10:03.920 but now that i'm unemployed and i'm pregnant with our third child it's the perfect time to switch to
00:10:08.560 chapter seven bankruptcy so i'm really glad i found a bankruptcy attorney who i i was like i talked to
00:10:14.160 so many bankruptcy attorneys i was like i want somebody who's going to accept this case like a
00:10:18.960 defense attorney okay i don't want i don't want you to hand it to your paralegal and they're like okay
00:10:24.000 you know this is how we always do it i'm like i want you to look through every single bank statement
00:10:28.720 every purchase everything and get me the best repayment plan do you know what these tiktoks are making 0.99
00:10:33.360 me think i should just be a worse person why be responsible at all i filed bankruptcy at the age
00:10:39.520 of 21 and now i'm making it my mission to let people know that there is nothing wrong with filing
00:10:45.760 bankruptcy how are you filing bankruptcy at 21 if you've seen any of my previous videos you saw me
00:10:52.160 talk about why i filed bankruptcy the process of filing bankruptcy how my credit score has went up 84
00:10:58.320 points after my bankruptcy was discharged and now i want to talk about me getting credit cards after
00:11:04.480 bankruptcy a few videos ago i said how i actually got approved for the indigo mastercard it was in a
00:11:11.920 thousand dollar limit and a lot of people were saying how it is a terrible company to have a credit card
00:11:16.400 with and i don't disagree but i got the card because it was a no nick approval thing where if i wasn't
00:11:26.080 approved it wouldn't go on my credit score it wouldn't be like a hard pull or anything
00:11:30.480 so i just was like well it's i really can't lose anything if i don't get approved so i really just
00:11:35.360 did it out just to see like am i able to get approved for things after bankruptcy now drumroll please
00:11:42.560 i actually got approved for a capital one card and capital one was actually my highest limit card
00:11:49.680 and they were the card company that sued me while i was filing bankruptcy
00:11:54.160 just keep doing the wrong thing just maybe we should just let me let's just tell our kids
00:12:00.640 do the wrong thing and the world will reward you i mean because doing the right thing
00:12:06.560 so let me get this straight my peer could spend 60k on her credit card file bankruptcy and then get a 1.00
00:12:13.520 new okay you know i'm happy these women are getting their lives together i guess but this just 1.00
00:12:19.840 blackpilled me even more i'm officially blackpilled let me know what you guys think in the comments
00:12:25.600 because i i just think that we should just send the asteroid at this point let me know what you guys
00:12:31.200 think like the video subscribe and i will see you in the next video bye