For the last two years I have had a pretty much perfect credit score. Lately I had to stop working due to problems with a pregnancy and we can’t afford the 300 bucks a month to pay back my credit cards. I have tried to contact debt management companies but they always ask, “How many payments have you missed?” I guess you have to be in big trouble before they try to help you?
Anyways, I haven’t paid them for 2 months. Please tell me… what can they do to me? Can I be taken to jail or anything drastic like that? I don’t’ have anything bought with the cards that can be repossessed.
I actually want to declare bankruptcy and just start over in 7 years when if falls off the record.
Any advice about this is appreciated. Thanks.
couldda, shouldda, wouldda.
Of course I know you aren’t supposed to charge more than you can pay off each month, how else do you think I got a perfect credit score?
Basically I got screwed by a room mate and had to put alot on credit.. plus there was a time which I had no insurance and had to pay for medical stuff by card.
And of course my husband works.