I kind of know a couple things i would need to do like call and find out who they have sold my debt to, and find out how much I owe… But I just need instruction on what to say, what to agree or not agree to, and most importantly, how much can I settle a ,500 debt for if i do this right.I’m having a kid soon and I need to have the option of moving the heck out of L.A., but with crappy credit (this not being my only debt) I seriously wont be able to even rent an apartment. Please Please help me figure this out!!!
Well that’s great advice, and I will use it. But what about the calls that my ex girlfriends are getting? They have different phones, and providers, yet the collectors keep asking for me or where to find me. Calling numbers that EVEN I DON’T have. Will the calls stop? And is it a good idea to return calls to these people and negotiate? Or better to find a main number and call them that way? Seriously clueless to these matters, and thats how i got into this mess.

Thanks again for all your great input.

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