Recent comments in /f/Maine

Voltron1993 t1_j5u51y4 wrote

  1. Fort McClary State Historic Site. Chill place to relax and watch boats go by on a summer day.

  2. B52 Crash site on Elephant Mountain

  3. Coles Land Transport Museum.

  4. The Major Reuben Colburn House. Benedict Arnold used this site as a launch point for invasion of Quebec during Revolutionary War

  5. Bowdoin College Museum of Art. They have some nice historical pieces from Ancient Greece/Rome/Middle East.

  6. Joshua L. Chamberlain Museum in Brunswick. Nice little tour.

  7. Squirrel Point Light. Nice little hike and nice place to hang in the summer and watch boats and seals float by. Also there is a Revolutionary War graveyard before the trail head. One grave is of an officer who guided Arnold up the Kennebec to spot #4 above.

  8. Fort Gorges. You need to charter a boat or kayak out there, but worth it!

  9. 2 Ammo Industrial Park, Bangor Maine. Lost my virginity here in 1992 in the back of my Buick Lesabre. Epic historical event.

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metalandmeeples t1_j5u4epp wrote

Reply to comment by Antnee83 in In need of help by YogiJ3ear

This is actually great advice if you don't have an immediate need for credit despite what finance bros like Dave Ramsay say. It's better to trash your credit for 7 years than trash your foreseeable financial future.

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respaaaaaj t1_j5u0ek4 wrote

CMP's billing system seems to be both understaffed and way out of date and they just pass as much of fixing it as possible to the customer and the customers banks.

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TimothyOilypants t1_j5tx44v wrote

Reply to comment by YogiJ3ear in In need of help by YogiJ3ear

To echo what u/flocking_north said; if your personal bank or local credit union isn't able to do anything like a secured consolidation loan for you, you're pretty much at the mercy of predatory loan companies. Only advice I can give is try and stay away from unsecured (revolving) lines of credit. These will have higher interest rates and are more likely to create more risk for you down the road.

You're better off looking at programs that can help subsidize your food, heating, etc. to free up more of your income to pay down debt.

Everyone needs help sometimes. Don't suffer for pride. You'll get through this.

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sledbelly t1_j5twud6 wrote

Do you belong to a credit union? They are typically easier to work with than larger banks.

I would also look into your town hall, they have programs that can help if you need to pay some bills like electricity and heating.

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Antnee83 t1_j5twsd5 wrote

I don't know your situation, but no money + bad credit + a loan is gonna be a force multiplier that makes your situation worse (by a lot) in the long run.

Don't get trapped into a payday loan cycle. Do anything but that. Sell shit if you have to.

You say it's for bills- depending on exactly what it is, you may be able to get away with just not paying it right away and be better off (ESPECIALLY medical bills. Throw them right in the trash, I'm serious). Overdue bills aren't going to gather interest, generally. A loan to someone with shitty credit absolutely will.

Just something to think about. Sorry to hear about your situation.

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flocking_north t1_j5tut3j wrote

What are you trying to get a loan for? Generally, you are going to get a bad deal if you have bad credit. Bad credit = high risk, so you are going to pay out the nose in interest wherever you go. You might get approved for a loan, but no lender is going to "help" you, they are going to ream you out.

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