Hey Law Guys,
Just getting my ducks in a row. I have several defaulted CC accounts.
I am in FL and my accounts have been inactive since 2001-02. I have
not had any judgements against me dispite a hundred or so letters I
have since destroyed. I do not return phone calls. Its been only recently
that I have any money to speak of and I dont know how best to render
a solution to my mess. I have had many adjustments in my life as a
result of these bad choices and I want to face this the right way.
Its hard, I have a committed GF in my life I love and looking at her
and knowing all my money is subject to 'poof' gone is tough. I have
about a year's salary in the bank, also if I sell my car that has about
6-7K value. Probably about 25-30K to speak of. I live with a friend,
I have very little bills. I pay my car ins, cell phone, rent and my monthly
expenses with cash. I have 10K in one account, 15K in my savings and
checking combined and about 6-8K in assets I can sell. My credit
report has a bunch of numbers that make no sense and I dont even
know what I owe anymore. I can make no sense of it based on knowing
my original balances and the names of the entities that I owe based
on my report. Somehow my credit report on myfico is in the mid 630s.
I dont think thats so great, but with all my bad debt and delinquencies,
I would think it would be worse. Being in FL and most of my accounts
been inactive since late 2002, where do I stand on this and what would
be a course of action to begin facing this issue in my life? Any help
would be much appreciated.
In the dark and wanting to come to the light,
unequalscales

