Short backstory, I fell into severe depression and completely neglected my accounts. phone harassment by debt collectors only made me feel worse. I ended up leaving the country for 2 years to be with family and receive treatment.
I'm back now, feeling a lot better but my debt has ballooned and I have no clue how to proceed. I really need advice if I can impose on your time.
In what order should I pay them?
Should I settle any or not?
If so, what amount/percentage should I settle for?
What is the best course to repair my credit?
How much extra it would cost VS. settling?
My experian score is currently 565. I have gotten a credit report back in November 2011 and a new one a week ago (july 2012). Some of the balances have stayed the same and some have increased (!).
here is a summary of my debt, taken from experian report. I include the balances on both credit reports to show the evolution.
american honda finance(returned lease car before end)
KD sep 2009
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