She has a good job as a C.N.A right now and has been doing that for a couple years. She takes home around $600-$700 every two weeks. This is the just of her credit report: REVOLVING ACCOUNTS FST Premier Balance $462 Past Due: $462 Condition: Derogatory Status: Collection/Charge Off Remarks: Charged off as bad debt â?? Profit and Loss Write off FNBMARIN Balance: $737 Past Due: $0 Condition: Derogatory Status: Collection/Charge Off Remarks: Charged off as bad debt â?? Profit and Loss Write off FNBMARIN Balance: $0 Past Due: $0 Condition: Closed (Paid) Status: Collection/Charge Off Remarks: Payment after charge off/collection â?? Settled â?? less than full balance INSTALLMENT ACCOUNTS FSB FINL Balance: $5306 (Auto Loan) Condition: Derogatory Past Due: $750 Status: Repossession FSB FINL Balance: $1198 (Auto Loan) Condition: Derogatory Past Due: $0 Status: Collection/Charge Off WESTERN FUND Balance: $0 Condition: Closed Status: Current COLLECTION ACCOUNTS There are TWENTY-ONE (21) accounts listed here. All are listed in â??Collectionâ?? and all but one are listed as â??Open.â?? The â??Date Reportedâ? are from 2003, 2002, 1999 and one in Dec. 1997. PUBLIC RECORD INFORMATION Judgment filed 1/1/2003 - $539.00 Judgment filed 12/1/96 - $326.00 WHERE IN THE HELL DO WE START? She doesnâ??t have much cash right now to start paying or attempting to pay anything. So thatâ??s another quandry. Should we (she) start with the smaller accounts to contact and pay them off? Should we send out validation letters to all of the Collection Agencies? Should we send out validation letter to all the Credit Bureaus? Should we pay off the judgments first and foremost? Should we wait until she has some cash to pay before we even think about tyring to start something? I know she has a horrible track record and a rough road ahead so please, no derogatory comment, only true help or suggestions needed right now. Weâ??ll laugh about this laterâ?¦much later. My Main concern at this point is that her and her 20 year old son have to be out of our house in Feburary. So the biggest concern at this point is making sure she can get into an Apartment then even though she has an apartment listed in collections: SPRINGMAN BR â?? Original Creditor: 09 Camelot Club Apartments Type: Collection Date Reported: 6/1/2003 Balance: $1151.00 Condition: Derogatory Remarks: Placed for collection PLEEEEEEEEEEEEEEASE HELP!!!!!!