Debt relief question (read details)?
Question:
Answer:
file BK. Your credit is already bad. Get a clean slate today or its going to take forever to pay this debt if you live paycheck to paycheck. Filing BK will bad credit for 1 yr aslong as you open 1 or 2 small secure credit cards after. Its the easiest and fastest way to fix your problem.
you need to update your home page then....anyways to your question......this can be fixed but like everything else it will take a bit of time and hard work.....first of all when you get paid try to system of paying your self first.this is where you take a SMALL amount of your pay check and put it away..then clear off your bills as best you can I would really recommend reading several books from the library, as well as looking at clarkhowards web site.....he also can / will deal with individual questions so you can state your own case.
It is hard BUT you can do it.....we have just come out the other side of a nasty credit situation thanks to the ex wife and what you need to do is make sure that is put on your credit report at some place....this will help explain as to why there was that slump / hiccup with your money
Good luck
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