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Basically, I am terrified that I have ruined my life completely through an act which was made at a time of high stress and was short sighted, but done with the intention of saving my job.
I don’t know if it is relevant but I have ADD, so impulse control, particularly when under stress, has always been an issue for me, and the whole thing was really traumatic with changing roles and several other factors.
Legal action possible, but it’s generally no one’s first choice, so if you show that you’re horrified at what happened and that you’re genuinely committed to aggressively paying it off, they may prefer to just let that happen.
The other option: I suppose that you could keep paying it off as aggressively as you can and hope that you have it paid off before anyone notices.
That was also ok until one day while at a red light a semi-truck smashed it up , and that second car was nearly paid off but then it got writen off as well.
Luckily, for the second car I did have insurance, but the insurance company only agreed to pay out the remaining balance on that car loan and so I was again carless.
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I had a bankruptcy a few years ago and cannot qualify for a loan to cover the full amount.
The short version of the story is that I genuinely misunderstood the way my corporate credit card was to be used.
I have been using it over the last few years regularly for personal reasons, including medical, car payments (a car is required for my job, but not covered under expenses), and general personal shopping.
My girlfriend did not have income for two years, and I used the card to cover expenses beyond my paycheck.
I can use Pay Pal to get cash out of the card and into my bank account, so what I have been doing is waiting until the bill is due (a new billing cycle) and taking out that amount with Pay Pal, then using the cash to pay it off, plus adding in my own money to try and reduce the balance a little.