Hey all. I have been on here correcting my stuff (as you can see from the other 2 threads I started today) and helping my sister out as well, but we have it easy compared to my friend:
She has 7 accounts, all installment, valued at over 10K.
2 are "chargeoff" accounts with zero balance
2 are "collection accounts" with around 1K on each
the rest are 3 accounts, with around 3K on each and 2 are called something like "salle mae" and the other is a student loan from her school
She's over 120 days late on all of them, since never recieving the bills since she's moved 5 times in the last 4 years. She had a kid, has hospital bills, just left the guy she had a kid with since he was an **bleep**, is finally at a job she likes, and is workign towards a future.
I would like to help her out credit-wise, but I dunno even where to start. I would try to do disputes, but how would I even do that with balances on all accounts?
She can't pay anything off, so can she do PFD at this point?
Any ideas at all???