I was in a car accident 2 years ago. Got sued. And, I was left with unpaid hospital bills--now in collections. And, of course, CC's got behind--now in collections. At the time, I was unable to care for myself, let alone the bills. My husband wasn't used to paying the bills and so, he ignored them. The phone calls started. I got depressed. Last September--I got better. I began paying what I could on every bill. Some CA's (and OC's)have been good to *work with*. Others have been....well...nasty. I've paid off several things....felt like I was able to see light at the end of the tunnel. Now....the payment arrangements I made with some-aren't enough now--they want me to pay more. I got a call from a CA last night for a bill I had no idea I owed (In validation process now). I thought I had everyone taken care of. Don't smack me, but I have no idea what my credit report says........ I'm afraid to look! I'm getting weary of dealing with these people Encourage me, please! I don't wanna whimp (is that how you spell it? Or, is it wimp?) out now! Thanks for "listening". Mrs. C
Keep going. I have felt exactly as you feel now and some days still do feel that way. Sometimes there are so many things to think about you don't know where to begin. I would keep paying what you can afford to pay and don't let them pressure you into more than you can do. Also if all 3 Credit Reports seem daunting to deal with at once, I would just pull one and work on it first. I started with TU first and once I got the hang of things then I pulled the other reports. Just take your time and keep plugging away.
