Hi, I am currently an ex-college student, taking a break due to depression and panic attacks, among other things, and have experienced bad credit due to poor choices. I currently have a repossessed car which i owe about $11,000 on, and currently am in a back balance of about $800 on. I also owe about $500 in past due utilities, $400 in past due rent, and about $1200 on a closed credit card. I am trying to repair my credit, get my car back so I can find work, and fix my life. Please help me, thank you.


