I have no job, just graduated, have a younger child, and am discovering that a BA does not do ANYTHING but make you more poor.

I am selling everything I own to raise the money. What is the lowest percentage they will usually settle for of the total amount owed?

My plan is to send an Answer and a Declaration of Appearance to deny the charges and request documents verifying the debt to buy me some time. How do I go from there?

Do I send them a low ball offer and then wait for a reply?

Please tell me how the game is played.

THE REALLY SUCKY PART? I hardly played a hand in accumulating the debt myself, but must bear the responsibility because it’s in my name.
Also, how long does it usually take for them to get back to you after you send an Answer?
Really? 25%? Do you think they’ll take that?

Also, after I settle will it still show on my credit? Do I need to wait for them to send me something in writing to conform that the debt is satisfied or will they take my money and try saying I agreed to a greater amount? So many questions.

Technorati Tags: appearance, ba, game, job, money, reply, request documents

I work 50+ hours a week and go to school full time. I just recently signed up for 6 classes over the summer and feel I may not have the time to balance both. I did it last semester and found myself stressed more then I have ever been. I work out as well to keep stress levels down but feel my social life is at an all time low. I have stacks of bills to pay every month and without the job I could go bankrupt. I have alot of dreams and aspirations! What should I do!? If I Drop some classes it could take me years to get a BA if I dont work then how will I pay for college/rent/bills! Help!

Technorati Tags: aspirations, ba, dreams, full time, job, stacks, stress levels