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Is anyone here s**t poor?

Discussion in 'General Chat' started by JammieDodger, Jan 17, 2010.

  1. ssnyc

    ssnyc Well-Known Member

    Messages:
    479
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    May 28, 2009
    Location:
    Bleecker
  2. Jumbie

    Jumbie Well-Known Member

    Messages:
    4,136
    Joined:
    Nov 19, 2007
    Location:
    127.0.0.1
    I'm nearly clear of around $27k in credit card debt ($2k left to go) and $34.5k in Auto loans. ($1844 left) It's doable. Good luck.

    [serious]Way to go Tokyo Slim. That's awesome!

    When that debt is cleared, you're going to feel such a huge ease up.[/serious]


    Maybe you can buy a Mac then. [​IMG]
     
  3. JayJay

    JayJay Well-Known Member

    Messages:
    24,364
    Joined:
    Jun 25, 2007
    I'm "fresh out of law school with out a job" poor. I thought if I passed the bar everything will be ok. Well, I did and it wasn't ok. There are no jobs like at all here in LA and I'm considering something non-lawyer related. It's been a year now...
    Sorry to hear this. I had a driver to the airport who had passed the bar but couldn't find a job. He said it was the only job he could find. It's a tough market but I hope you find a job in law, soon.
     
  4. Flambeur

    Flambeur Well-Known Member

    Messages:
    5,057
    Joined:
    Mar 19, 2008
    I'm "fresh out of law school with out a job" poor. I thought if I passed the bar everything will be ok. Well, I did and it wasn't ok. There are no jobs like at all here in LA and I'm considering something non-lawyer related. It's been a year now...

    A year, dude? You really need a plan B or anything at all. Unfortunately you're becoming less marketable with every month you're jobless. It sucks but it's true. What was your planned specialty and what did you want to do?
     
  5. indesertum

    indesertum Well-Known Member

    Messages:
    17,863
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    Jun 7, 2007
    Location:
    omicron persei 8
    This is what you guys make me think of. I thought my family was poor, but at least I get heating, food, a roof over my head, and can occasionally save up enough money for clothes.
     
  6. globetrotter

    globetrotter Well-Known Member

    Messages:
    20,605
    Joined:
    Sep 28, 2004
    Location:
    greater chicago
    I'm nearly clear of around $27k in credit card debt ($2k left to go) and $34.5k in Auto loans. ($1844 left) It's doable. Good luck.

    damn right - after my period of unemployment a few years ago I had a chunk of debt and finished paying it off this november. huge improvement in life. keep up thje good work, it is right around the corner.
     
  7. mkarim

    mkarim Well-Known Member

    Messages:
    4,645
    Joined:
    Sep 24, 2008
    damn right - after my period of unemployment a few years ago I had a chunk of debt and finished paying it off this november. huge improvement in life. keep up thje good work, it is right around the corner.

    Yes. It feels great to be in control of your money and finances, instead of the other way round.

    Great job guys!
     
  8. Tokyo Slim

    Tokyo Slim Well-Known Member

    Messages:
    19,179
    Joined:
    Apr 28, 2004
    Location:
    Where Eagles Dare!

    Maybe you can eat a bullet then.


    ... that was rude. [​IMG]
     
  9. Piobaire

    Piobaire Well-Known Member

    Messages:
    50,190
    Joined:
    Dec 5, 2006
    Location:
    In My Douchemobile
    Like America, I'm too big and white to be s**t poor [/sarcasm]

    The US is still white? Who knew?
     
  10. montyharding

    montyharding Well-Known Member

    Messages:
    379
    Joined:
    Dec 14, 2008
    Location:
    Jolly Old Blighty
    i am a shit baller.
    You need to get that looked at. I've *lived* s**t poor many times. Ironically getting paid very well for it. Beyond that - no, never been s**t poor.
     
  11. mkarim

    mkarim Well-Known Member

    Messages:
    4,645
    Joined:
    Sep 24, 2008
    Like America, I'm too big and white to be s**t poor [/sarcasm]

    Too big to fail?
     
  12. imageWIS

    imageWIS Well-Known Member

    Messages:
    20,008
    Joined:
    Apr 19, 2004
    Location:
    New York City / Buenos Aires
    I am shit.

    FTFY.
     
  13. NakedYoga

    NakedYoga Well-Known Member

    Messages:
    645
    Joined:
    Dec 3, 2008
    Astan, I was sort of in a similar situation as you, having just taken and passed the Bar exam this past July. If your weekdays are currently free, something you might want to try is hanging around your local municipal/city court (or even state court) during sessions of criminal appearances. Wear a suit, bring business cards, have pens and paper, etc. at the ready. You can very likely pick up some clients with extremely simple (to you) legal problems. I'm talking about simple misdemeanors like simple possession of marijuana, criminal trespassing, things like that. Offer to represent them for a flat rate, say, something like $300-$500. Don't try to bite off more than you can chew with a charge that will result in a full-blown trial if you enter a not guilty plea, as you won't be able to afford it.

    The first time I did this, I agreed to represent a guy facing a trumped-up criminal domestic violence charge for a flat $500. He didn't have much money, but he paid me $200 up front and then $50 a month until the balance was paid. I basically interviewed him, the complainant (his fiancee), and talked the prosecutor into deferring his case for 90 days and then dismissing it, and modifying the conditions of his bond. It really isn't very difficult for someone who isn't a complete legal idiot. It's not glamorous by any means, but you're also likely to make valuable connections with other lawyers or get referrals from your clients. With these types of cases, the prosecutors want to get them off their docket just as much as the defendant wants them to go away. Anyway, something to think about.

    To the OP, I think you might want to re-think your spending habits if you're buying C&Js and "bespoken" shirts, while having barely enough money to eat on a weekly basis.

    Some great stories here. I'm fortunate enough not to have ever come remotely close to living the way some of you have, but the stories are inspiring just the same.
     
  14. GQgeek

    GQgeek Well-Known Member

    Messages:
    17,933
    Joined:
    Mar 4, 2002
    Location:
    Canuckistan
    damn right - after my period of unemployment a few years ago I had a chunk of debt and finished paying it off this november. huge improvement in life. keep up thje good work, it is right around the corner.

    OT (maybe this belongs in the divoce sucks thread):

    My father once did this. He cleared up his 40k line of credit by dutifully paying a 800 every month. After separation (but not yet divorce) with my mother, she went behind his back and bought an SUV, using up the whole thing. He got a call from the bank a couple months afterwards asking why he wasn't making payments on his line of credit anymore and he told them that it was because it was all paid off. They told him it was maxed out. [​IMG] [​IMG] [​IMG] [​IMG]
     
  15. Piobaire

    Piobaire Well-Known Member

    Messages:
    50,190
    Joined:
    Dec 5, 2006
    Location:
    In My Douchemobile
    OT (maybe this belongs in the divoce sucks thread):

    My father once did this. He cleared up his 40k line of credit by dutifully paying a 800 every month. After separation (but not yet divorce) with my mother, she went behind his back and bought an SUV, using up the whole thing. He got a call from the bank a couple months afterwards asking why he wasn't making payments on his line of credit anymore and he told them that it was because it was all paid off. They told him it was maxed out. [​IMG] [​IMG] [​IMG] [​IMG]


    Ouch.
     
  16. Gingahbman

    Gingahbman Well-Known Member

    Messages:
    506
    Joined:
    Feb 14, 2009
    Location:
    Below the Heavens
    A rough patch when I was very young. But never poor. I think my parents glossed it over well to the eyes of a child.

    I'm actually very lucky to be a leg up on most people my age and I have a lot of thanks to give to my parents for that.


    Same. The good times started rolling in a few years after I was born. I dunno how my dad dealt with the bullshit that he had to growing up, but either way I'm thankful for all he's given our family.
     
  17. Astan

    Astan Well-Known Member

    Messages:
    802
    Joined:
    Nov 18, 2008
    Location:
    Los Angeles
    A year, dude? You really need a plan B or anything at all. Unfortunately you're becoming less marketable with every month you're jobless. It sucks but it's true. What was your planned specialty and what did you want to do?

    Honestly, I don't know what to do. I am worried that if they see a year gap i employment on my resume people will start asking questions but I'm not the only one. The legal profession here was toasted, burned to a crisp and annihilated by the recession. I wanted to do contract law or some tort law, really anything except bankruptcy and criminal.
     
  18. Stu

    Stu Well-Known Member

    Messages:
    2,351
    Joined:
    Mar 12, 2002
    Location:
    Princeton
    I have been poor as a child, 3 or 4 times we were basically at the mercy of a landlord that could have evicted us, and most of my growing up we were at the stage where we had an old car, the kids wore used clothes, and we has to be very careful of what we ate.

    when I got out of the army I had something like 200 bucks, no clothes, no place to live, no car.

    4 years ago the company I worked for went bankrupt, I had spent my life savings on moving my family to the states, and the company that I had worked for, before going bankrupt, hadn't paid me everyting it owed me, so I was pretty broke with no savings and no job, a pregnant wife and a 5 year old son. that was about the toughest period of my life.


    Take out the pregnant part and change the kid's age to 9 and that pretty much sums up my current situation.
     
  19. TGPlastic

    TGPlastic Well-Known Member

    Messages:
    329
    Joined:
    Feb 24, 2009
    Location:
    DC and MD
    Astan, I was sort of in a similar situation as you, having just taken and passed the Bar exam this past July. If your weekdays are currently free, something you might want to try is hanging around your local municipal/city court (or even state court) during sessions of criminal appearances. Wear a suit, bring business cards, have pens and paper, etc. at the ready. You can very likely pick up some clients with extremely simple (to you) legal problems. I'm talking about simple misdemeanors like simple possession of marijuana, criminal trespassing, things like that. Offer to represent them for a flat rate, say, something like $300-$500. Don't try to bite off more than you can chew with a charge that will result in a full-blown trial if you enter a not guilty plea, as you won't be able to afford it.

    The first time I did this, I agreed to represent a guy facing a trumped-up criminal domestic violence charge for a flat $500. He didn't have much money, but he paid me $200 up front and then $50 a month until the balance was paid. I basically interviewed him, the complainant (his fiancee), and talked the prosecutor into deferring his case for 90 days and then dismissing it, and modifying the conditions of his bond. It really isn't very difficult for someone who isn't a complete legal idiot. It's not glamorous by any means, but you're also likely to make valuable connections with other lawyers or get referrals from your clients. With these types of cases, the prosecutors want to get them off their docket just as much as the defendant wants them to go away. Anyway, something to think about.
    ...



    If you entertain the idea of doing low level criminal work, you must do this stuff first so as not to fuck it up:

    1. Watch a few day's worth of local criminal dockets and learn the customary litanies (advisement of rights and so forth on the record) that you'll need to make.

    2. Read the rules of pro res concerning when representation starts, ends, and what your duties are. How does representation work when grandma pays you to rep junior? Think really hard abut this shit.

    3. Create a written fee agreement based on models you find in the law library. Get motherfuckers to sign it before you start lawyering.

    4. Then get money up front. All of it.

    5. Don't promise shit about the outcome of court shit.

    6. Establish a good system for keeping your case files.

    7. Look for conflicts of interest and do not put yourself in a conflict situation that wasn't or can't be waived.

    8. Handle money with terrific care and in precise accord with the rules. Fucking this up is how you get disbarred.

    9. Make sure you do not rely on your client's version of the facts of his case or on his recollection of his criminal record.

    10. Always talk to the cops who did the arrest. Be sure to tell them you think your client is an asshole.

    11. Act like you know everything and everyone at all times.


    PS I had a client go down for 6 years today on an assault! He actually drove to court and walked in the front door a free man. He left by the back door, wearing cuffs. My original guess was that his was a probation case. I did everything right. Judge got it wrong. What made it OK is that I was not late for my 2pm squash court reservation.
     
  20. Rye GB

    Rye GB Well-Known Member

    Messages:
    2,254
    Joined:
    Mar 14, 2006
    Location:
    Silverlake
    ^i hear you, but on a forum where the average member makes 250 out of the gate........

    I know, what the fuck?
     

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