Can the credit card companies get my disability money like they garnish wages?
Will my credit clear-up in 6 year if I don’t file bankruptcy?
It has been 15 months since I have charged anything on any credit card account.It has been 12 months since I have paid on any of my credit card debt. It is well over 10 times the reported national average. My life situation changed dramatically. My old job was great money and I would be back in it in a heart-beat , if I could. Income from disability doesn’t cover the unsecured debt I have.
I hope to heal and someday go back to work; however, what looks worse a bankruptcy or bad credit? I need advice that will help pull my life together in a way that I can return to the mainstream without some creditor popping up to sabotage my attempts to become productive again. (next time without credit cards- I have made it a year and I am determined to go longer even though the idiots keep sending cards(with hugh credit lines) in the mail.

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I am 25 and want to be debt free. I have over ten thousand in debt. I want to start settling with debt collectors. It been about 5 years since i paid a dime. I want to buy a house in 15 months.What steps should I need to take to be debt free.What should or Shouldn’t i do when talking to collectors. I know i am suppose to get a written agreement saying the acct# and how much I settle for.In the letter can I state that they would contact the bureaus and state of paid in full. How long does it take for credit score to fo up and how long take to fall off. Any other advice will help me.. When I settle with a collections does hurt credit card score.

Technorati Tags: 15 months, acct, collections, credit card, credit score, debt collectors, ten thousand

How to convert a chapter 13 bankruptcy into a chapter 7 in Georgia? My order has been in effect for 38 months. Was just informed that it will be another 15 months before it will be over. I would rather just convert it rather than keep paying. Has anyone ever did one on their own without an attorney?

Technorati Tags: 15 months, chapter 13 bankruptcy, chapter 7