Dear Dave,
I’m 20-years old, and I’m in a bad spot. I’ve been a jerk for the last year, not listening to my parents about anything. Now, I’ve got over $10,000 in debt from running up bills on credit cards and writing some bad checks. Two weeks ago, I also lost my job and totaled my car. I’m about to lose my apartment, too, because I don’t have the money for rent. A friend of mine said I could stay with him for a while, but I’m really scared. My parents say I created this situation all by myself, and I need to figure out a solution all by myself. Would you please give me some advice? I don’t even know where to start.
Justin
Dear Justin,
It sounds like you’re about as close to rock bottom as a person can get. I know it’s a scary situation, especially for a young person. I’ve done …