Here's what I owe -- none of which I have communicated about or made a payment on for more than two years:
American Express: $2400 (written off)
Harvard Collection: $300
IC System: $800
Wells Fargo Ed:$3700, $5,500, $11,000
----(also says permanently assigned to the government)
----(says 'permanently assigned to the government')
What shall I do from here?
I currently have GC Services calling me all the time for the one (or more?) of the defaulted student loans, where I just hang up before identifying myself.
I am a bit confused on the Wells Fargo account -- is one of those listed a duplicate? I was under the impression that I had two loans around $12,000 each. Is the credit report simply listing the charged-off loan from one company twice on the report? Once from the original lender, and once from its current holder?
Also, now that I am defaulted -- what are my options? Does consolidation still work? What can I expect to have to pay? And what are my interests rates probably right now?
I should have this information, to be what some people call a fiscally responsible fellow, but I do not and have almost entirely ignored them. Now I shall suffer.
I'd almost prefer to die rather than give them a penny, but that sounds foolish. But how long will this take me to pay off, and for what reward? No punishment? Not too much of a reward there.
Any help you can offer is most appreciated, and I will gladly answer any further questions that you have.
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