It would be ideal if you could get a friend or a friend of a friend (at least) to take up the sublet so that you have SOME sort of "collateral" over the subletter's head, particularly if you have to move far to get to NYC and thus can't be around to check up on the subletter.
Alternatively, just keep paying the rent on your current place, keep most of your stuff there, and see if you can find something cheap in NYC to at least keep you there until the lease is over. Stay in hostels. Use Air BnB. Whatever. You don't NEED to have your own apartment right away. When you're nearing the end of your lease on your current place, then you can start looking for places in NYC and be there to physically check them out. By this point you'll likely have accrued enough money to hire some movers to move you out of your place and drive your stuff to NYC. Yeah, not an ideal situation, but a workable one.
Go to the new job. Just up and leave everything where you are. You will owe your landlord for breaking the lease, but pay that when you can. Stay at the Y or a weekly rate hotel until you've saved enough to rent an apartment. Continue to pay the old debts you left behind. If you don;t take this new job you will never get out of the hole.
Those payday and quick loan places will accept almost anyone, I would try a different one, you do end up paying loan shark interest rates, possibly having to repay twice the original amount over 6 months.
This difficulty is probably in great part due to your credit rating, which may make it impossible for you to get a mortgage on a house in the future until you clean up your rating.
You should make paying down debts and fixing your credit rating a long term goal. THe big 3 reporting agencies are required to provide one report a year, you can stagger them to get an update every 4 months, these show the debts your credit score is based on but not the actual report.
Here is the report provider that the Federal trade Commission links to
http://www.annualcreditreport.com/
http://www.consumer.ftc.gov/articles/015...
Well thank you but I travel to different stores around the city. I have to look really nice and professional and I need to wash clothes etc. Its an aweful predicament. The hole I am in is due to a spouses medical bills I had to leave a great career to help him for awhile there and its been so hard. Its not like I was living life on the high end shopping and fine dining. Its amazing how its all working against a person trying to get ahead.
Did you ask for relocation assistance before accepting the position? If not, you might want to consider calling the company and ask what their relocation policy is.
If they don't offer financial assistance, ask if they will pay for a hotel room for you for a couple of weeks until you can find a place.
I just got hired with a $40,000 raise in a new city.
I tried so hard for so long to get this kind of job in my city but the position never opened.
I worked for low wages and multiple jobs living paycheck to paycheck barely able to stay current on bills. Many were delinquent but I still payed.
My credit suffered tremendously.
Now with the new job I will be able to breathe and pay everything but the new company didnt offer relocation, and it will cost me an arm and a leg to get out of my current lease and to get a new apartment and to move.
I need more money than I have on hand. I've tried multiple creditors and credit unions and quick loan places...no one will approve me.
No family to ask and I wouldn't DARE EVER ask friends.
Im in so much trouble. They only gave me a few weeks to move but I don't have the funds and no real property to sell to make quick cash. Im at the end of my rope. Can't think of one more solution.
