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I currently have a number of accounts in collections, and others that are 60-90+ past due.
Here is a breakdown of the amounts:
Eviction - $4,200.00, sent to collections agency.
Bank - $1,600.00, sent to collections agency.
Medical - $200.00, sent to collections agency.
Tuition - $9,000.00, sent to collections agency.
Private Student Loan - $18,000.00, defaulted.
Credit Card - $1,400.00, sent to collections.
Credit Card 1 - $750.00, 60 past due.
Credit Card 2 - $500.00, 60 past due.
Credit Card 3 - $550.00, 60 past due.
Credit Card 4 - $900.00, 60 past due
Credit Card 4 - $1500.00, 90+ past due.
Cable / Phone / Internet - $2,500.00, possibly in collections.
Is a debt settlement company a good idea at this point? I don't know where to start.
Maybe Chapter 13 is a better idea?
Looks like your in a bit of a mess. I don't know what your income situation is, or what funds you have. If you are continuing to fall behind, I'd see about maybe a BK or something along those lines.
Current income is $65k.
I think 13 might be the best bet.
$65 may be a decent income in Detroit, but not so much in Hawaii. Only you can assess your living obligations, transportation and food.
It looks like you owe around $40k? Can you pay it off reasonably? Or is a fresh start needed? You also have to pass the means test.
Only you can determine which is best, a 13 or a 7.