Credit Card Help needed.

Nevada, the sad truth here is that I believe that your concept would work and is completely true, BUT I don't have the orbs to follow it all the way through. The financial attach on my Oh So Precious credit score doesn't scare me at all... <<< Just another number. However, I have to make sure my wife can exercise this degree that she is working hard for, and not be blocked by so buracratic BS.

Oh, I do thank you for the forms tho. I definitely want to restrict them to contacting me in writing only. THat may be the best thing that you have shown me!

While I don't know the requirements for a real estate license in your state, what I suggest is not bankruptcy. I don't see why this would effect her eligibility. You should ask more about this in your state to be sure though.

Once you send the cease communication demand your wife won't have to deal with them. You can do it all through the mail yourself from then on. She doesn't need to be involved. It's easier than you think.

Anyway, do what you think is best.

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"Anyway, do what you think is best."

Is there any less that I can do? I tend to have two minds, the one in my head and the one in my gut. THe one in my head says "Do the right thing, pay the bills in full b/c you owe them....regardless of the sacrifice ... yada yada yada); The one in my gut says "Save a little and Settle with them so you can sleep at night and be done with them and never look back." My gut tends to get me in less trouble. lol.

If you start to pay it back, don't expect them to be nice to you.

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I understand that too. Darnit.

I am not saying you are not being responsible whatrset, I was just responding to the part Nevada said about not paying.

If you skip paying that does ding your credit for 7 years. That is why I sat in court for that judgement so I can send it to all 3 reporting agencies. So quick to ding you but try to get it removed it another story. Sadly that number counts for too much nowadays. My son was turned down for a job because they did not like his credit score. That made me mad, since when does your credit count towards a job?!?!

Probably Countryside Families or the one above it can offer more advice, they have more visitors each day.



http://www.ftc.gov/bcp/edu/pubs/cons...dit/cre13.shtm

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ty, already reposted.

I have a?
Are the CCards in both your's and spouses name?
If only in your name...BK would not affect her in any way... it would discharge YOUR debt.

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