My question involves collection proceedings in the State of: Florida
I have three credit card that are either defaulted or have a judgement. My exhusband divorced me two years ago with two kids and over 20,000 in debt. I was making a small amount of money as a retail sales associate and could not afford to pay for rent on a house and put food on the table. My exhusband has paid for my car and child support but it wasn't enough to pay the bills. I stopped making payments all together a year ago. I have defaulted on two credit cards and there is a judgement on another. I tried several times to work it out with the collections agencies and all of them told me that I needed to borrow the full amount from a friend or relative. They were abusive and told me flat out that I need to pay the full amount and no payment plan would be set up. I cried over the phone several times with them and they were relentless in their abuse. I lost my job on Oct. 31st, 2008 and can't find another due to my credit history. Most jobs do a credit check.
My exhusband has agreed to help me pay off some of the bills and I need to know how I go about paying on a defaulted loan and a loan with a judgement. I cannot pay the full amounts off, but I can make payments.
Please Help!!!

