Pearl - Entitled Women Are Going BANKRUPT… And BRAGGING About It Online

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

Pearl - April 11, 2025

Entitled Women Are Going BANKRUPT… And BRAGGING About It Online

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