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She owes 14,520 in total debt. Her Transunion FIKO is 607 Credit score.... she has 13 Total accounts.
Total 13 Accounts
8 are Derogatory
5 are still open.
should she file for bankruptcy or attempt to fix her debt. We are trying to buy a house in the long run. Which would be the best ideal realistic fix. Is it worth to fix the debt or file for bankruptcy now and wait a year or two.
Thanks, any feedback would be great.
Sincerely a screwed BF!!!
I would seriously try to tackle that debt! Filing bk will prevent the purchase of a home for at least 2-3 years. Not to mention the long term effect a bk would have. Good luck!
@Scupra wrote:I would seriously try to tackle that debt! Filing bk will prevent the purchase of a home for at least 2-3 years. Not to mention the long term effect a bk would have. Good luck!
I agree....$14k in debt i childs play. If those are not in collections, try to negotiate those debts down to managable amounts and PFD. Offer 20% of the debt owed and work from there.