hi all...i am new to this forum.....and i have read some posts....here is my situation: i have my three big credit reports TU,EF,EX.........i have a foreclosure that show it's ongoing but we lost and moved out of the house last december.....a judgement that is from the finance company that we borrowed the money from to build the house (they sold it to option one mortgage company through a broker), but the mortgage papers say "paid in full" to the finance company.........a judgement from a carpet installer for the carpeting that was put in the house (this bill is in my husband's name, but it shows in was a joint thing)......a bankruptcy that was joint......and numerous medical and misc. bills....... then i have a little local credit agency that is hounding me about the medical bills.....i have sent them a letter asking for debt validation, and received a letter back stating that these accounts were assigned to them and that they reported them to TU......and that they would get in contact with the OC to validate all the bills......what do I do now??? I am soooo confused that i just want to jump off a bridge!! can some one please help me step by step...?????? PLEAAESE????