if it is real, Christi, there are many ways to avoid. Please see here: http://consumers.creditnet.com/cs/debtmanagers.html or if you need mor information and help, http://consumers.creditnet.com/li/ That will get you started in the right direction -Dave
Look, there are some people who NEED to declare bankruptcy. I may be one of them, but I am going to try this board first. Dont just go file, OK? Check things out here and see if you think your mess is "repairable" THEN if it cant be cleaned up in six months or less, I would file. I dont know your situation but I REFUSE to spend forever suffering just because I have made some past errors. i read somewhere on the Net that having this crap on your credit record is equal to a criminal doing his time. THAT is BULLS**T. If you can't clean up your credit in six months or less, call an attorney. You've suffered long enough...... but try this board first. ShotCredit
If you're thinking of declaring bankruptcy, you probably want to do it before the new law goes into effect in about six months. At least consult with an attorney now, so you will now what your options are and how the new law would affect you.
