How do I find out which debt collection agency is holding my old debt?
I had a rough time a few years ago, and stopped paying my credit cards and cell phone to be able to keep paying the rent and then i lost my job, it was all sent to debt collectors. I’m ready to get this taken care of so I can rebuild my credit somehow, but I don’t know which companies hold the debts. How do I find out? I haven’t heard from any of them in almost a year.
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Categories: Debt Consolidation Tags: cell phone, credit cards, debt collectors, debts, job, rough time
How do you find a debt counselor who is legitimate and can be trusted? I am trying to avoid bankruptcy ,?
but the situation is getting really bad. My husband was on unemployment and has been forced to take a job that is half of his previous pay. I am currently unemployed.
Categories: Debt Councelors Tags: job, unemployment
Is Bankruptcy the best choice for an unemployed person with $25K in credit card debt?
I was recently terminated from my job in July and am having difficulty finding a new one, but in the meantime I have about K in credit card debt and not able to make payments. A credit counselor suggested bankruptcy, but I know the consequences of such action. However, without a job I have no money and I do plan to get one as soon as possible. So please don't tell me to get a job, I already know that and doing everything I can by applying for many different positions. But given my current situation, is bankruptcy my only choice and is it better to do when you are unemployed or have a job? I have also already tried to contact the creditors to negotiate the terms, but no luck since my credit is in such bad shape. Any suggestions?
I forgot to add something…will filing bankruptcy hurt my chances of getting hired for another job?
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Categories: Debt Councelors Tags: bad shape, consequences, Credit Card Debt, credit counselor, creditors, current situation, filing bankruptcy, job, money