I need tο know іf I ѕhουld pay mу debt back. Long ѕtοrу short аbουt 3-4 years wе wеrе paying ουr bills, thеn wе both lost ουr jobs аnd I gοt pregnant. Now I hаνе a better job аnd mу husband isn’t working bесаυѕе hе іѕ a full time student. It hаѕ bееn аlmοѕt 4 years ѕіnсе I hаνе paid a bill. Shουld I fill bankruptcy I dіd thе credit counseling thing bυt іt mаdе things worse don’t know whаt tο dο?
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I’m in the same situation. I have bills that I haven’t paid for about 6 years. I recently checked my credit report, and they have been either removed or charged off. As you know, bad credit items on your report will be removed after 7 years. Banktruptcy may not even be worth it since it takes 10 years to remove. You can go to www. annualcreditreport. com to get a free one, but they don’t give you a score.
Not unless you can get in writing from them that they will remove the bad credit. After 4 years, you are better off waiting for it to drop off your credit report. If it does not automatically come off, you can contact the credit agency and request they pull it off. Bad credit stays on 7 years, bankruptcy stays on 10. You are almost there, wait it out if you can.
yes its your debt so pay it back
You should consider trying to pay it back.
If you file banko then it will stay with you the rest of your live, not to mention all the owrk you ahve to do to clean up your credit afterwards.
If you are more than $20K in debt with no way to pay it I would certianly consider Banko.
Good luck!