I'm divorced and she was left with the furniture bill but she's not paying. I moved from Colorado to cali and was holding my head up above water until my car got stolen. My insurance said give them the keys and they'll write it off. So I got me another car and then my original car shows up, great, two car payments because they wouldn't let me take the one I got back. Then I lost my two jobs and now I'm in so much debt. I'm already accepted into the academy for corrections but how do I buy more time? I mean with this job I'll be making more than I know what to do with it's just I need like another month before things start rolling again. Then I'll be able to pay everyone or file for bankruptcy. My credit is crap but when I pay people back and catch up to all the late fees then can I fix my credit or will I have to wait 7 years? I was a foster kid so I don't have anyone to fall back on like parents or any friends just me and my buddy the debt collector lol.

Hello Red:

I was going to help you, then I found out you want to be a hack (that's what we call 'em). Then I realized, even hacks got to eat.

So, I'm going to offer you a few tidbits, being as you ain't got no father. I'm only offering so that when you become a cop, you remember the convict who helped you with your credit problems.

IF you DON'T have any judgments YET, then the wolf ISN'T at the door. WAIT until you have some cash in your pocket before you talk to them again. It doesn't absolutely NO good to talk if you CAN'T negotiate with them.

Fixing your credit and paying your bills are two different things. However, if you're sharp, you can combine them. In terms of your credit score, a paid collection is hardly better than a non paid collection. When you have cash to make your negotiations, make sure that you secure their promise NOT to respond to the credit bureau when they inquire about this debt. Get the promise in writing.

Sure, they'll tell you they can't do that - but they can, and if they want their money, that's what they must do. Of course, these scumbags work on a commission, meaning they don't get paid unless they collect something.

That should get you started. Be nice to those convicts... Ceptin those child molestors...

excon