Is it to late for me???

Hi kevin...it is not too late for you! The good news is that you are thinking about it now and its not too late to start making improvements.

Make a list of all that you remember owing...find bills, etc.

Order your credit report...go online for your free annual credit report. Find out that status of your debts, if they have been sent to collection,etc.

Have you been contacted by any collection agencies?
what kind of debt is it?

Don't worry you can repair your credit over time. When you came here did you sign up for the free consultation? If so you will be contacted by a professional that will help you explore you option. If not click on the free consultation link on the side. Beware of fly by night credit repair people. They will steal from you.

I did sign up for the consultation and I hope they are able to help me get started. Most of the debt was in Credit Cards and a loan from Benificial. All of it that I know of has been turned over to collection. I have a judgement, possibly two now against me and my pay check is being garnished.

I'm really in deep. Maybe past fixing. Hopefully I can get some good advice in my consultation and get things sorted. I really hope so.

So it sounds like you've gone to court for some of this...perhaps you can try to make arrangements on whatever else is still outstanding before legal action takes place.

Good luck!

Well I received the call for the free consultation, I wasn't expecting such a fast response. I was contacted by Allied Debt and the email that was sent to me was from Allied debt solutions. They went over my debts and possible ways to get them paid off. The person I spoke with was very nice and understanding and seemed to know what she was talking about. I tried to find a web site for this company but wasn't able to yet. Has anyone used them before with good results. If they were recommended by this web site does that mean they are OK? I would like to know something about this company before I start sending money to them.

Thanks for the help.

Oh, quick note, the email I received when I signed up for the free counseling said I would be contacted by Federated Financial Counseling Services, are they the same as Allied Debt?