There's a tiny blue dot outside the red circle. Not gonna tell you who it is
DornerStan
joined 7 months ago
If it's gonna take more than a few years to pay off, you might consider defaulting. Credit card debt is some of the most easily dischargeable debt.
That can range from offers in compromise to declaring some sort of bankruptcy to just not paying them anymore (the latter might have repercussions if you have seizable assets or enough debt that the carriers think it's worth going through the courts to try and garnish your wages, assuming you have regular W2 income). Or if you currently have decent credit, a refi might even be a good option.
Do your own research, this is not financial advice.
I know people that just stopped paying and basically nothing happened. Credit scores went through the floor, but that's pretty much it. Within a couple years they were able to open new cards, and after seven years the dings fell off their credit reports.
I used Calyx Institute for internet for a couple years while working online and living in a car. Solid company. Definitely gonna check out his out.
Try for yourself https://github.com/ShiftHackZ/Stable-Diffusion-Android
But that's (very clearly) beside the point, which is that you can run a variety of models locally on your PC or phone for miniscule energy. Once a model is trained the damage has already been done.
As always, it's the corporations using the resources and doing the damage, so pearl clutching about random individuals is less than useless.
Training models takes a stupid amount of energy. Using them after the fact uses very little.
I could generate something like this on my phone using any of the dozens of local models.
Just a tiny one, occupied by a single person