25 years old, $100,000 dollars in debt, and I need a fresh start....

Hello Everyone, I've been on this forum for quite awhile. Over the past 5 years I used information learned on here to build and improve my credit score and obtain numberous credit cards. I got very good at calling the infamous "backdoor numbers" and almost was always successfull at obtaining new credit or being granted CLI's. After going through a life crisis last year here is where I am sitting right now: 25 year old full-time waiter. (I make about $3500 in cash per month)$30,000 Auto Loan$10,000 Student Loans$10,000 owed to an Auto Insurance Company due to Subrogation$33,000 Credit Card Debt$4,400 Outstanding University Tuition Bill$5,000 Medical Bills~$92,000 Total Debt I have not been able to make any payments at all on several of the cards. Multiple >120 day late payment status being reported on them. The minumum payment on 3 of my cards EACH is over $1000 now. They are probably getting close to being charged off. I say this because my credit is already pretty much ruined so I see bankruptcy as the beginning of a fresh start. I'm 99% certain I need to file for Chapter 7. I'm going to surrender my car, drive something cheap and start fresh. I have totally screwed up my life financially up to this point and I very much want to get back in school so I can have a career and a future. I realize that the student loan debt is not eligible for bankruptcy but I'm curious about the tution bill I have being as I owe it directly to the university and it is not technically a loan. Any advice is greatly appreciated. I'm wondering what my recovery process will look like after all this...

I would contact the university and see what can be done to resolve the debt so you can continue with school. I would also agree with Krielly and not bother with wondering about rebuilding. You will rebuild, and more than likely it will come very easily. Consultations for bankruptcies are free, so you should get in with a lawyer asap. It sounds like yours may be simple (no asset Chp 7, perhaps?) and hopefully if you get on the ball (and stay on it) and there are no hiccups along the way, you'll be discharged by the end of this year/early next year.

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I am confused about Icloud. I have a 5 year old Macbook, a 2 year old macbook and a 5 year old mac mini. What exactly do I need to do to get all this connected via Icloud. I also have an Iphone 3G. Help please!

I am confused about Icloud. I have a 5 year old Macbook, a 2 year old macbook and a 5 year old mac mini. What exactly do I need to do to get all this connected via Icloud. I also have an Iphone 3G. Help please! Also, I still don't understand exactly what the benefits are. At the moment it seems a lot of hassle to change a system that's been working perfectly well and that I'm very happy with. I'm not at all sure whether the mac mini (1.66 GHz INtel Core Duo) can be brought up to the relevant spec to run ICloud. Any thoughts?

There are two aspects to iCloud. One is simply getting an account, or migrating a mobileme account to iCloud. The second part is using the various features of iCloud to sync contacts, calendars, use music match or photo sharing, and store iWorks documents.
First to get an iCloud account:
If you have a mobileme account, you can migrate by simply logging onto www.icloud.com (ignore any references to Lion and just click through to complete the migration). If you have OS X Lion or an iOS 5 mobile device, you can create an iCloud account on that device using any valid AppleID.
Once you have an account, you can use JUST the mail account if you wishi - it is a standard IMAP account so you would set it up like any other IMAP email account you have, in whatever client program you use to read email.
To use the OTHER feautes of iCloud, your computers will have to be running OS X Lion (10.7). Your iPhone 3G will never be able to use iCloud as it cannot run iOS 5 (you need a min. of an iPhone 3GS to run iOS 5).
The requirements for OS X Lion are here - http://www.apple.com/macosx/specs.html You need a min. of a Core 2 duo processor so you mini is not capable of running Lion.
So, in your case, the single reasons for iCloud would be if you have a mobileme account, then use the online www.icloud.com to migrate your account so you do not lose your @me.com email address. You can use iCloud email (without using any other iCloud features) by setting it up as IMAP mail with these settings - http://support.apple.com/kb/HT4864
If you want an iCloud account and do NOT already have a mobileme account, you will need to upgrade one machine at least to Lion in order to be able to create an iCloud account.

So my phone a 4s is less than two years old, the speakers do not work, and it will not connect to wi-fi, so my question is on the 1st of august why should I re-up my contract and purchase a phone that taken care of did not last the distance of a contract?

So my phone a 4s is less than two years old, the speakers do not work, and it will not connect to wi-fi, so my question is on the 1st of august why should I re-up my contract and purchase a phone that taken care of did not last the distance of a contract?

This is a user to user technical support forum. It is not our responsibility to convince you of anything.
Do you actually have a technical support question? If not, post your question on a blog or somewhere more appropriate.
Best,
GDG

HT1600 I have an apple tv about two years old. Bought for a present and they never took it. I tried to hook it up cut it get stuck on setting time and date. Any help?

I have an apple tv about two years old. Bought for a present and they never took it. I tried to hook it up cut it get stuck on setting time and date. Any help?

If you can view the main home screen, try selecting "settings" on the far right, then choose recent at the bottom. If not, try just unplugging power for a few minutes, then plug in and try again. Keep in mind you'll need a wireless connection and there may be several updates. Hope this helps-

I just bought my 10 year old autistic daughter an IPOD touch that she needs to take to school with just limited music on it but she also also has an IPAD mini for home that is fulllyloaded with apps . How do I set up Itunes to make this work

I just bought my 10 year old autistic daughter an IPOD touch that she needs to take to school with just the music (no apps) on it but she also also has an IPAD mini for home that is fullly loaded with apps. The last time I tried to connect 2 devices to Itunes I ended up loosing my own music library so I am a bit hesitant to start setting up this new IPOD touch with outsome help. Anyone have any ideas on how I set up Itunes to make this work and not loose her IPAD apps and media?

Open itunes, connect ipad, select what you want, sync.
Connect ipod, select what you want, sync

My old Macbook Pro (10.4) died and I need to locate from the HDD where Netscape mail data resides so I can import it onto my new laptop, any ideas where it is located? I have tried home/library/mail.

My old Macbook Pro (10.4) died and I need to locate from the HDD where Netscape mail data resides so I can import it onto my new laptop, any ideas where it is located? I have tried home/library/mail.

Might be in /Home/Library/Netscape/ or in /Home/Library/Applications Support/ folder.

HT1420 I recently got a new operating system on my two-year old windows computer, but itunes says that I need to authorize my computer and I already have authorized five computers. I think I should deauthorize all but does that deauthorize my ipad and ip

I recently had a new operating system installed on my two-year old windows computer. iTunes wants me to authorize my computer (again) and then says that I already have five computers authorized. Should I deauthorize all? Would that affect my iPad and iPhone? I may have old, non-functioning computers that are still authorized and should be removed.

Your past purchases are not on the computer. By choosing download all, those purchases will download to the computer.
Once authorized to your iTunes account you can control the computer.
When syncing the iPad the first time you will get the warning " this iPad is synced with another computer, syncing will erase all contents and replace with the contents of this computer"
Say yes, this is what you wan to do.

HT3702 Yikes! My eight year old purchased some aps from iTunes and it comes to $130! How can I get these taken off? I don't even know what they are?

My eight year old was on my iPad and bought $130 worth of apps. How do I get these reimbursed? I don't even know what they are????

See Recover your iTunes library from your iPod or iOS device.
While I agree that it would be nice if it was easier to transfer media from your Apple devices they should never be used as the sole location for any of your media. They are too easily lost, stolen, damaged, or corrupted. The user tip above also includes a link to a suggested library backup strategy so that you can avoid being in the same position in future.
tt2

My iPad less than one year old, had battery fault , taken in and replaced. Is the replacement new, no I don't think so but a refurb one. Also don't get another year warranty?.. Has anyone else had this? Not happy

iPad faulty not even one year old......taken in and replaced. Is this a new iPad......? No was told. Old be three years old....why isn't it being replaced with a new one, with a new warranty....of another year.? As they have only given me 90 days... Makes me wonder why.?... Have they no faith in their product...I am beginning to wonder..........
Anyone else experienced this.?.... Or any ideas where l stand. The web site useless,

A warranty replacement can be a new or refurbished unit as specified in the warranty terms.
A warranty replacement will have warranty for the balance of the original term or 90 days, whichever is longer.
All perfectly normal.

HELLP!!! My 3 year old has locked out my Ipad and I had never synced my computer to my Ipad!! What can I do??

My three year old locked my Ipad out and I had never synced my Ipad to a computer. What do I do??

See the "If you have never synced your device ..." section toward the bottom:
http://support.apple.com/kb/HT1212

My daughters Macbook's (3 years old) computer screen sometimes will waver and freeze and then turn white if not moved around. She was told that the replacement part would cost $600. Do you know what's going on, and what is the replacement part?

Mydaughters Macbook's (3 years old) computer screen sometimes will waver andfreeze and then turn white if not moved around. She was told that thereplacement part would cost $600. Do youknow what's going on, and what is the replacement part?

Who told her that the replacement piece was $600?
Ask those people which piece it is.

Just realised my 7 year old has used my apple id and spent a lot of money. am i able to get a refund?

Just realised my 7 year old has been using my apple id. God knows how he remembered it. He has spent a lot of money. Has any one experience of this? Am i able to get a refund?

Maybe. You can ask:
Apple - Support - iTunes - Contact Us
iTunes says all sales are final but they may make an exception

Install new OS X and wipe computer clean (fresh start)?

I would like to install the newest OS X and basically start my computer over from scratch. I can back up all my needed files and programs on an external. Where do I go from there? Do I need my original start-up disk?
EDIT: macbook pro 10.4
Message was edited by: pensword

Your going to need one of your original disks to intall the iLife suite. The stand alone Snow Leopard retail copy does not come with iLife.

I have a 6 year old computer with 512MB of RAM and I am worried that if I upgrade from 3.6 to 8.0 Firefox will be too slow.

Should I keep using 3.6 for as long as possible? I have been very happy with Firefox 3.6. I have a Compaq Presario computer.

My opinion is to get more RAM. I found 512MB to be too little for Firefox '''3''', and I rarely have multiple windows open and rarely more that 10 tabs open.
Try Firefox Portable first, and then if the Portable works to your satisfaction think about about upgrading to 8.0. Firefox Portable won't mess with your current Firefox installation, it installs completely separate. <br />
http://portableapps.com/apps/internet/firefox_portable
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G61 428 1.5 years old out of the blue freezes and shuts down. Now on start-up I get error code 00A.

Now on startup I get the 00A error code, this is mother board error code. ESC on startup does not give me a menu.
I also have messages that Product name , configuration, serial number and product number is missing. The note book however continues to work so far, except windows says it is not genuine anymore.

Rapport has to go. It's not compatible with Safari.
Uninstalling Rapport on Mac OS X | Trusteer
One of Trusteer's rep's posted on this thread > Trusteer's Rapport Software: Apple Support Communities
I hope you can get it straightened out soon!

25 years old, $100,000 dollars in debt, and I need a fresh start....

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