bad experience for the first time

What kind of info are you needing? You have definitely come to the right place there are alot of people out here that are more then willin g to help.
mike

Teqbear - welcome to the forums!

If you can provide us some information on what type of debt you are dealing with, maybe we can offer you some advice to help you through this.

Also, have you done some research on the internet or with your local advocacy agencies to see if they have any employment programs available for you? You may be surprised at the number of jobs available for you.

Best of luck to you - and please post any questions you may have, we're here to help! :-)

Welcome to the Community :D Like the others said, we have solutions to your debt problems! You said you had bad debt since high school? Can you tell us also, how old your debts are, and when you last made a payment- no personal info- please. There are ways to go about cleaning up your credit, and we are here to help guide you through the process. Have you pulled up your credit reports from the 3 credit bureaus? I would do so, there may be itmes that are in error, and can be disputed, also it will give you a clearer picture of what is going on-good Luck--keep us posted..Karen

Do check the latest status of all your debt accounts. You might want to know the SOL of each account to make sure whether any creditor can take you to the court for not paying the debts. Each state has a specific SOL term. You cannot be sued if certain account is past the SOL period.