I have about ,000 in credit card debt. I have tried to pay them but I can’t because I lost my job and have been falling behind, in fact some of my credit cards have been charged off.

Just recently I started a new job and it doesn’t pay well because it’s a retail store and it just pays enough for gas and a little bit of food. What I want to know is should I settle my debt and just pay the difference to ease the burden on me?
The other question I have is that I heard that if I settle my credit card accounts, the agencies and/or creditors can ask for their money again and will come after you? Is this correct? And will they screw up my credit again after I agreed with a settlement?

I heard that if you settle they will come after you about three or four years again asking for their money and will screw up the credit for another seven years on top of the previous seven years. I just need clairification as to what to do at this point. Thanks for answering my question BEST ANSWERERS

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I have the software to do the bankruptcy myself but I would feel better with some representation.I can’t even get my taxes done because I can’t afford it. The IRS people are just so rude and could care less about my situation I am soooo lost. Help anyone? Any advise is worth listening to at this point. thanks.

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I need to settle my credit card debt. Is it better to wait to negotiate with the collection agency or before it goes to the collection agency or at another point?

Thanks in advance.

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