I have bad or damaged credit as some "experts" have said. I have been denied many credit card applications that I have submitted, so I got a copy of my credit report and listed for the charge-off is wells fargo, a freind of mine advised me that fidelity finance may have been a dba or another subsidirary of wells fargo. The topper is: when fidelity fianance still had their doors open, I went to court for the acount, I attended as instructed by the documents served to me by the court, before I could see the judge the attorney in charge of this case pulled me out of the court and we went to his office were he made me work out a payment plan through his office to settle the debt. I made a payment, and some time later the office for the laywer was closed due to investigations of embezzelment by the lawyer himself, I have not received any correspondence in regards to this debt at all. I have waited for years already for anything , I am not sure who and where to pay for this, I have been fearful of the fact that I would have to pay three or 10 times the amount I originally owed. I have been debating whether to just walk into the wellsfarg office out here to work out paying for this debt.But I am fearful. As per my credit report the amount was 3,500+ as listed. I just paid off my auto loan, I have delinquincies on the auto loan, but is finally paid in full.I am trying to re-establish my credit but no one will help me, could you please advise?