Hi all,
My wife and I have both secured and non-secured debt. After working with a debt management company for the past 2 years, and not being late on any payments, we have found that they have not worked in our best interest. We directly pay our secure debt, (never late) and pay the debt mgt. co. for the non-secure, (again, never late) The non-secure debt has fallen late, (some by 3 months)
Here's some possible good news?
All the late items are on my wifes credit ONLY.