Drowning while still so young

Drea, best thing to do is take care of this now WHILE you are so young. I'm 25, and when I was 19, my debt was about the same as yours, and it only got worse not taking care of it. I'm glad you found us here, we'll get you through this.

Have you pulled your free credit reports this year? www.annualcreditreport.com is the correct one to use--It's run by the bureaus themselves. Go through these with a fine tooth comb and be sure that everything on there is accurate. If it's wrong, dispute it. We can explain to you how to do that as well.

Drea--What type of debt do you have? Credit cards? Do you owe the original creditor, or have they been sent to collections?

If you go to the Books section of this website. (Check under Our Services) you'll find a free E-book of letters that you can customize with your information. If these debts are with a collection agency, they're going to need to validate the debt--which means PROVE that they can collect on it legally. Then you can set about making payment arrangements on that.

Again, welcome to the forums. We look forward to getting to know you, and getting through this together.