I got into credit problems and never paid back

Did you register for a free debt consultation if so
a debt counselor will be in touch with you. If you haven't done that, do that and that will be your first step or you can contact them at the 1-800-601-1579 that entitles you to a free consultation with a debt counselor. They will be able to give you some ideas on how to go about starting in on your credit situation.

I know it' scary but you have already taken the first step in acknowledging that you have unresolved debt issues. Your next step will be to start contacting your creditors.

Someone with more expertise will be along to advise you on your next step. I think I have given you a starting point. Keep us updated and if you have anyother questions please post and we will help you along the way.

ladybug

Hi tvsir. Have the statute of limitations run out on these credit cards? That seems like an awfully long time to try and put a judgement on you. What state are you in?

Eleroo, these are most likely very old debts bought by one of the sleazy collection agencies that deal with trying to collect on sold accounts. These guys can be the worst to deal with, because they have spent money buying the account. They will stop at nothing.
Tysir
My suggestion would be to call each one, and ask for a debt valadation letter. They must provide you with documents showing that the debt is infact yours

This is so true. If these collection agencies make a few bucks on the loan I think they are happy. They most likely bought them at a cheap price. But, they can get nasty and break all sorts of rules. A DV letter would be a good idea.

okay i'm going to send out validation letters to all the creditors. i have my credit report on hand. which one should i look for the ones that say open or revoliving account? i do have a credit card right now that i have 300 limit on and i strictly use it for gas. anbd have been paying that off religiously.
thanks everyone so far for the encouragement.

so if that debt that i have a judgement on is way pass statue. what should i do? can it be ignored or i have to vacate that and take them back to court.

Hello tvrsir,

Welcome to the forums. I would suggest (like previous posters) for you to get credit validations to begin with. See exactly how much you owe and who you owe it to. Cal the number on the right side of the screen. Talk to the credit coucelor Im sure they will light up your day :)

Good luck and dont worry you'll be fine :D

hi everyone i have printed and wrote all the letters to my creditor. now i just have to mail it. but what do i need to do to know that they have actually received it. usps ceritified? please let me know.

also what should i look for in a validation reply? like the orginal creditor or something? i really would like to settle the debts outta court. but i hate to pay the interest and bs fees they have applied. please let me know. from experience. would a creditor take half what is owed? i'm been talking to family member and they have been supportive they said they would loan me money for no interest. to get me back on my feet.

also what should i look for in a validation reply? like the orginal creditor or something? i really would like to settle the debts outta court. but i hate to pay the interest and bs fees they have applied. please let me know. from experience. would a creditor take half what is owed? i'm been talking to family member and they have been supportive they said they would loan me money for no interest. to get me back on my feet.

^^ that was me. ALSO i haven;t gotten a call for the free consolidation yet. how long will they make a call?

Hello,

Yes, definitely get a delivery receipt from usps. If you havent received a call yet you may want to call the number on the right handside of your screen :D