Bankruptcy 4 me?

HI Kathi

Welcome to the forums. I am so sorry to hear about the news of your divorce. Please be strong enough and face it as it comes to you. You will find yourself much comforted if you are able to accept it bravely and with a strong heart.

Regarding your debts, first of all, please get your along with your spouse's latest credit report from the three bureau and review it properly. Look out for the accounts which are with your creditors and those which have been passed on to the collection agency. If you have any doubt regarding any entry, you can contact the bureau or the creditor to verify the details in the said account. They are required to validate the debt before you start paying them.

http://www.debtconsolidationcare.com/validation.html

Also, contact your collection agency to validate the debt. Please make sure that you do all communications in the written form. Please send letters through certified mail along with 'return receipt requested' so that you have valid proof of your efforts made towards your payment.

Please let me know anytime if you have any doubt. Also, if you wish to seek professional help through the debt consolidation program, you will be offered a reduction in the total amount of your debt which the consultant will be doing it proficiently for you. You will be offered low monthly payments at lower rate of interests so that you are able to clear the debts comfortably and thus improve your credit ratings.

http://www.debtconsolidationcare.com/benefits.html

Regards
Roxette