Need Help
Date: Sat, 07/07/2012 - 08:47
Hi! I'm 28 years old and am a 3rd year nursing student. Unfortunately, as soon as I was 18 years old I started to get credit cards. Since no one explained to me how to use them responsibly the majority of them went majorly delinquent and charged off.
I also (stupidly) took out payday loans that I defaulted on.
To top it all of, I have loads of medical bills. One went to a wage garnishment that I paid off. If I'm not mistaken I have two more judgments entered (one for a medical bill and one for a payday loan) but nothing has happened (yet).
Needless to say, my credit is so sad it's almost comical. I want good credit very badly, but have no idea how to get it. I don't know if I need to file for bankruptcy and start over or try to consolidate everything... I'm completely and totally lost. is it even worth it to try?
I also have student loans taken out, and will have more by the time I graduate. (Approximately $60K)
Any advice or tips will be greatly appreciated! I'm still young, so I hope I can FIX this so I can live a normal life. Having bad credit is no bueno. And embarrasing!
Thank you so much!!
Michelle
I also (stupidly) took out payday loans that I defaulted on.
To top it all of, I have loads of medical bills. One went to a wage garnishment that I paid off. If I'm not mistaken I have two more judgments entered (one for a medical bill and one for a payday loan) but nothing has happened (yet).
Needless to say, my credit is so sad it's almost comical. I want good credit very badly, but have no idea how to get it. I don't know if I need to file for bankruptcy and start over or try to consolidate everything... I'm completely and totally lost. is it even worth it to try?
I also have student loans taken out, and will have more by the time I graduate. (Approximately $60K)
Any advice or tips will be greatly appreciated! I'm still young, so I hope I can FIX this so I can live a normal life. Having bad credit is no bueno. And embarrasing!
Thank you so much!!
Michelle
What state do you live in??? How old are these debts?? Dates o
What state do you live in??? How old are these debts?? Dates of last payment?
I'm in MS. The debts are all from different dates but none more
I'm in MS. The debts are all from different dates but none more than say 9 years old. I have made some payments, but on different ones and I'm not sure when. Mostly the medical bills have been what's been paid more recently