Besides a mortgage and car notes, what's the most amount of debt you've been in?

$350

Child support - not really "debt", but a constant installment payment towards my ex's new car.

i had 1,800 that hung around for a bit.

outside mortgage, cars and student loans I am relatively debt free.

I had a an $1 million line of credit when I owned a business and maxed it out a bunch of times over the years. I have had a couple of million dollars owed on vendor accounts MANY times over the years. All of this was personal debt as I was a sole proprietorship. Not at all uncommon for a business similarly situated. We had close to a million in payables in vendor accounts every month. It tends to make one think very little about writing a check for $400k.....

I never had another human being as concerned about my health and personal well being as that bank president where I had the line of credit. He would call me out of the blue or cross the street to ask if I was doing ok or needed anything. It was unsecured. He tried to secure it several times over the years but I managed to keep it a simple unsecured line for nearly 14 years. My wife and kids love me, or at least pretend to, but they have never expressed as much concern about me as that bank president did. If you want a true friend, one who is truly concerned that you live a long time and are satisfied with your life and unlikely to lose your shite and skip town find a banker dumb enough to extend you a million dollar line of credit on nothing more than your signature. That poor bastard will be better than a dog.....

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If you have trouble paying off $12K in CC debt to the point that you can't even make minimum payments and there are two of you working you either make a very small amount of money or you are terrible at managing your finances.

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We were just married and wasn't making much more than minimum wage at the time. We could have paid the $400 minimum and would have survived but putting it into a payment program was probably the best scenario. Dropped our payments from $400 to $215 but I was paying $300 and we put some income tax toward the debt every year. My credit score took a dive into the "fair" range though.

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outside mortgage, cars and student loans I am relatively debt free.

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We have a mortgage payment and one car loan and that's it. We had more debt when we were younger, but I've become much more anti-debt in my middle ages it seems.

I'll probably buy my youngest one another car before too long.

1.2M

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Besides a mortgage and car notes

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Think I had $1k of Student loans when I graduated 20 years ago (only to took a loan for one semester). That’s it. Never anything more.

Back when I was building spec houses and developing property it was nothing for me to be a few million in the hole. What's crazy about that is I was in my mid-20s and the banks were willing to loan me that much money. This was pre housing crash of 2009 so money for RE investments was easy to obtain.

If by debt you mean an amount you can't pay off at the end of the month, then for me it was college.

Left LSU with around $300-400 (let's call it $350) on a Discover card because it was my senior year and I needed a decent suit and shoes for job interviews.

If, however, by debt you mean what's my credit card balance at a given point in time, then probably $18K. We have high limit cards but pay them off in total each month. But this isn't really debt. It's just convenience of transaction.


Edit: we've also had no car loan debt since around 1999 when I paid off my newlywed wife's car.