My story....

Jacqueline, there are a few debt management programs through which you can erase your past debts.

Perhaps consolidation or a settlement program can be an option for you depending upon the total. How much is the total amount of your debt? What companies are you dealing with?

Jacqueline

Hi, welcome to the forums!

You're not alone in this debt-crazed world. Many have gone through, what you have. Glad to hear you're life threatening illness is gone. Your health is the most valuable asset you probably have right now.

Currently do you have a job? If you have a job, getting a car is not that hard. You must have at least verifiable income, a drivers license, and a utility bill (or the sort) in your name. Pick up a current copy of Auto Mart at your grocery store. I could also send you a few links of places that might be able to help you, that don't necessarily run credit, but require about $500 down.

Now, as far as your credit goes, have you pulled a recent credit report? You stated that you got ill 6 years ago. In most states, the SOL is 7 years. So what that means, is that some things will start to fall off, and not even a collection agency will have a legal stand on collecting from you.

Do you know your FICA score? Have you taken advantage of any free credit reports that provide that? You should check it out.

If your credit is still in the zone, perhaps you should consider consolidation. By signing up on this site, you automatically registered yourself for a free consultation. Speak with the counselor during your session, as they'll be able to provide the answers to all your questions.

In the meantime, stick around in the forums. We'd love to see you around, and could even help with basic questions. Some of us could even help with the more confusing.

Cheers
Mike