Hello one and all; its been awhile since I posted on this board.
Anyway - My situtation is this: I've been out of work since Jan 05. I have outstanding CC debit of about $2000 or less on my credit report. I have a car note from Chase thats 4 yrs old, that until Jun of this year I have gotten down to $6000, with the car being worth only $2000. I have 2 bank account both overdrawn of $500.