This thread is like reading a case study on MMM where OP keeps saying how great it is that he paid one credit card on time for the first time by stopping paying his car payment he uses to get to work because the brilliant debt collector told him he should. All the while piling 5-20x higher mountains of debt on another one plus paying ungodly interest and fees by not paying minimums anymore. OPs goal isn't a neutral budget, living their best life, or retiring early, it is "efficiency" which can only happen through spending cuts and will therefore result in his debt going away. He says that personal finance is the same as company finance so his goals are correct. He knows that the debt collector is efficient and he isn't, because someone told him that one time. He quits his job (fires IRS) because the debt collector says he'll save on gas! We then explain to him that efficiency is in the absolute shitter as a direct result of these choices, to the point that everyone obviously knew efficiency was not the goal of the debt collector. Then he stops talking about efficiency except to note that the process is unimportant to him. He then talks again about that he paid that one credit card, plus the guy at the debt collector agency is so smart and nice and promised that he was only there to help him with debt so we can trust him. Even though that guy owns all his other debt. It's so bad to investigate that guy, because even though literally everything we know about that guy is that he's a completely shit bag with a long history of ripping off debtees by lying to their face, this time we should totally trust him. Plus there's no evidence (because the investigation was closed by that guy). Then someone chimes in to say, it's not that debt collector who got that investigation cancelled, it's was the debt collector's wife! Oops, that debt collector sent OPs private health and financial data all over the world, lol! Examples of previous OPs who cleared their deficit completely and cut their spending 20% using an ordered, planned, sensible process are completely ignored. At no point does OP realize that the debt collector might not be solely dedicated to their best interest.
Should we take bets on if OP will be happier in 4 years? Will their debt even be lower? Will they blame it on their responsible older brother and forum responders who encouraged them to engage in responsible spending reductions? Is it maybe secretly all the fault of a trans person?
How cool is it that we're all beholden to their choices not just them.