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Old Dec 28, 2012, 09:38 PM
well well is offline
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Member Since: Dec 2012
Posts: 22
I used consumer credit counseling service that is a nonprofit. Bankrupsy (I know it's mispelled isn't much worse than having consistent bad credit but you have to get a lawyer and pay some fees upfront in most states.

It's scary to be in your situation because some creditors use illegal methods and threats.

It can stop immediately if you get the right free financial counseling. Good Luck from someone who'se been there and done that.