New to the site, ready to get my credit score up, heres the breakdown....
Wage Garnishment for a student loan ($41k owed)....I just today started the Rehab plan to get the wage garnishment removed. 10 months of payments of $150/month on top of wage garnishment of $450/month and it will be removed from garnishment.
About 6k in Medical bills that are WAY behind in collection i believe.
About 3k in Credit Card debt that are way behind in collection.
I talked with a few sites, the bankruptcy sites said do bankruptcy. The debt consildation said do it their way (settlement/consolidate). All these cost of decent chunk of change.
I'm leaning towards debt consolidation....They said $420 month and in 12-14months I will be debt free. (This does not include student loans).
I've read on this site for an hour and still would like some more advice from people who have been in my shoes and found the best way to turn it around.
My scores are Eq=530 Trans=526 Ex=501
Please people, yell at me, advise me, help me............
Steve