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well..
Most of the stuff has been charged off. Some have not, some call. I at first tried to work with them, They were not at all helpful. So, we did what I suppose we shouldnt have.. gave up. Then it just snowballed.
I guess my problem is if I did sit down to repay all the debts, It would take years?
our credit score is about about 500. Not so good. With the addition of a child (we have 2 bio kids) we will be needing a larger car, which we wont be able to get financed. So that is a major concern. We have been trying to save up the money for the adoption, because there is no way we will get loans to pay for it. SO we are in between a rock and a hard place.
YEAH I suppose we should give up the idea of adoption and use the money we are trying to save up to pay off those creditors. But, honestly I cant imagine us ever saving or being able to pay that much.
I had looked into credit repair.. We cannot afford to have an attorney do it for us. I know they say you can do it yourself?
We are torn on that issue?? I say its the same as filing bankruptcy, my husband says its illegal?
We just dont know which way to turn..
Its made us so mad since all the intrest rates have been so low, and if we could have refincanced our home, we could have had plenty of extra money to pay off the bills.. Its one of those ironic things.. If we had good credit, we could lower our payment, but since we do not, we cannot lower our payments so we can afford those bills???
Just totally confused on which way to go.
Lilly
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