DH has lates:
3/03 1x30
4/03 1x30
12/04 1x30
How bad DO these hurt? I have send a gw to Dillards, they have called me twice and I wasn't home.
The other two are in no way going to be removed....one mortgage and one ford.
I can try to GW the mortgage, we had them for 18 years and one payment was lost in the mail

every other payment was paid early and paid extra. I can at least TRY.