Help! In over my head

Submitted by Inn2deep on Sun, 02/08/2009 - 04:49

Ok, here's the scoop.

Im a 23 year old college student. I took a summer internship a few years ago that made me travel all over the country on my own dime, which should have been a clue right there. Anyway, since then I managed to wrack up almost 25k in credit card debt. I feel so lost, I don't know what to do. Most of the debt has been charged off I believe as it's been almost a year since I paid last.

Creditor calls come in waves it seems. I'll get 5-6 a day for a few weeks and then nothing for a month. Then, what do you know, they are back. I rarely talk to them or answer.

1. I have no money to pay any of these people and I'm barely able to pay rent or buy food even. What are my options?

2. They call my parents house as often as they call me, and they are sick of it. They have helped me as much as they can, but can't give anymore. Is there any way I can get them to leave my parents alone and just place the stress on me? I haven't lived with them for almost 4 years and feel terrible about putting this kind of pressure on them.

3. I have received letters from lawyers saying that they haven't looked over the debt yet, but I should either remit payment or dispute the validity. What should I do?

My main thing is that I would love to pay them back, as I feel so bad about this happening and wish I wouldn't have taken that job in the first place. Having no money or chance of making anything worthwhile for a few years at least, I have no way of paying them back anytime soon. What can I do?

My main thing is to get them to stop calling my parents, and just deal with me, is that possible?

Also, in case it helps, I live in North Dakota where the SOL is 6 years, so I am by far not near that date.

Thank you all for any insight or relief you may be able to give me. I'm so stressed and feel like I will just shut down soon. ANY help would be much appreciate. Thanks and God bless.

Find a job. Plenty of college students have jobs. Some are part-time, some are full-time.

Then, you really have to find out where you are debt-wise. You're guessing about whether the debts have been charged off. Sounds like they really haven't been. And--while I'm not a lawyer--it sounds like the advice you've gotten about making payment or disputing the validity is good.

Problem is, you're over your head. Worse, you're kind of in denial. You know you have a problem, but you're not taking steps to correct it. You're not determining how much you currently owe. You're avoiding phone calls. You're guessing at your status. You aren't taking steps to repay whatever debts you still owe.

You have to get it together. Determine financially exactly where you are. Exactly what you owe, and to whom. In some cases, the amounts can be negotiated down. For instance, it's not unusual for a creditor to settle for 50 cents on the dollar...but you have to negotiate with them, and then you have to follow through on your payments. But, as you've seen, the problem isn't going to go away by ignoring it.

And, to repeat, get a job. If you can balance college with it, fine. If not, delay graduation a year.

Hope that helps.

Sun, 02/08/2009 - 15:11 Permalink
Anonymous (not verified)

I do have a job, but most of that money goes to paying rent, buying food, car payment, utilities, insurance, etc.

Sun, 02/08/2009 - 18:19 Permalink

Charge off does not mean that you are no more required to pay off the debt. If you do not pay off the debt now, the creditors can bring judgment against you to recover the charged off debt by garnishing your wage. As per the Federal Law, there can be a total garnishment of 25% of your wage and this process may continue so long as the judgment amount is paid in full. Now, this judgment will get reflected in your report and will lower your score. So it is better that you budget your income and pay off your debts slowly by coming to a repayment agreement with the creditors.

Mon, 02/09/2009 - 11:23 Permalink

First pull out your credit report and check whether the debt is still with the OC or has been sold off to a collection agency. If it is sold off to a CA, you can ask for debt validation from the CA first by certified mail. If the CA fails to validate the debt, you need not worry because the creditor cannot bring judgment until he validates the debt. Now, since you cannot pay off the debt there is no other option but to wait for the CA or the OC to take the first action, if they can validate the debt.

Mon, 02/09/2009 - 11:34 Permalink
Adodecync (not verified)

fascinating and educational, but would be suffering with something more on this topic?

Thu, 02/12/2009 - 12:23 Permalink

HI, Im really sorry to hear about this. First thing is that you have a job. You need to get your finances in order first. As i can tell what your saying is that your barely getting by on what you make? Have you tried talking to any of the companies asking for a settlement if its not too late? At this point there is not too many roads to choose from to fix this. But always keep your head up its not over! you have come to the right place for the right advice.

Thu, 04/09/2009 - 02:09 Permalink

This is really a terrible situation for anyone as most of the time the money won't goes into the savings part.
You said you have a job then at least you should show some inclination towards paying off the debt.

It is not that you can't pay off all the amount in one stretch but you can negotiate with those guys about the matter.I think they will agree with the part payment option.

Make sure you talk with the loan officer.

Sat, 05/02/2009 - 08:14 Permalink

I had this same problem at the same age. I'm 30 now and all of my charged off cards finally dropped off of my credit recently. I was hospitalized and unable to pay. Beyond my control. I kept trying to get back on track, but there is no way when they are piling on late fees and over limit fees every month when I'm having trouble paying the minimum paying. I realized that I was wasting my money trying to chip away at it because of the ridiculous fees so I just stopped paying them. I got calls and letters and it was definitely annoying, but it was also annoying that they wouldn't work with me given my situation. Life happens. Maybe you can research a good debt consolidation/consumer credit counseling company to help manage your debt and work with your creditors to get you caught up to date, lower your rate and on a manageable payment. Good luck. I feel your pain man. You aren't the only one or a bad person for not being able to pay. Especially since you actually have the desire, but cant.

Tue, 08/11/2009 - 18:44 Permalink

Hello Broke, Although this post is pretty old (date in corner) I can understand where you are coming from. I have said time and time again I believe there needs to be some new laws concerning credit. I do not think if you hit a bad time due to medical reasons or job loss, more or less conditions beyond your control, that they should be able to lay on the late fees, over the limit fess and such.
This same thing happened to me when my husband was diagnosed with kidney cancer and died. Not only did I have the stress of knowing I was losing him, dealing with family and the children but also the vultures that kept calling nonstop. I had a nervous breakdown over it all. I literally would be afraid of the mailbox...afraid of what was on it and how much more they added on. Just letting you know you are not alone.

Wed, 08/12/2009 - 00:00 Permalink

fireyone it is really shocking to know about what you went through.I have that experience of chase by the collection agency but not the emotional attack plus these people 's follow-up.
It really takes a big heart to take care of all the things and thus I must appreciate your efforts.

Tue, 08/25/2009 - 10:15 Permalink

Well for starters, have the parents mail in a Cease and desist letter. They need to be sent CMRRR.

Only thing they can do is make money and pay or deal with the consequences. They may or may not be sued.

Sat, 10/24/2009 - 15:28 Permalink

Another thing your parents could do: Have their number changed. It's your problem, not theirs. I understand that. However, an easy way to let the creditors deal with you & not them would be to make sure they have no way of contacting them.

The cease & desist letter is a great idea too. I haven't heard of that before, but I'm sure its probably the best idea to solve the contacting your parents issue. However, I do agree with everyone else's advice; as well.

Tue, 11/03/2009 - 04:54 Permalink

I would send the cease and desist immediately.

I don't believe that they are supposed to be calling your relatives, they may get contact information from them but that would be the extent of the conversation, they can not discuss any details with them, it is against the law.

Tue, 11/03/2009 - 12:05 Permalink

It is really strange the lengths that they take to contact you. I have been divorced for 14 years and a couple weeks ago I had one of my ex husbands creditors to call me saying he said he lived here. Knowing him he probably did. But they were trying to locate him. And when I wouldn't give them any information they wanted me to give them his mothers number. I just told him I got rid of that problem 14 years ago and now he's yours to worry about Good Luck. I was really shocked when they called me that goes to show you how sneaking they are.

Tue, 11/03/2009 - 13:28 Permalink

Wow, that reminds me. I answered the phone at my grandma's house one day & there was an automated recording on the other end asking for my grandpa who has been dead for 21 years. I'm like "grandma, someone's trying to get ahold of ____" She's just like hang up, he isnt here... It's really strange too because they paid cash for everything. My grandma is in here early 60s and has a blank credit report. They even paid cash for both of their houses they have owned. But 21 years later, there is someone calling to talk to my deceased grandpa. Weird.

Tue, 11/03/2009 - 16:22 Permalink

Wow, that is really strange, hopefully no one is using his information. You really should have your grandmother check it out and see if he is a victim of identity theft. It may affect something later that still has his name on it, like her home.

Tue, 11/03/2009 - 20:12 Permalink

wow, i never thought about that. His name isnt on her home; as she bought this one after he died, but I never really thought about it. I am her legal POA, so I'll probably have to look into it then. How DO you check for identity theft? Other than a credit report; which I know has nothing on it; just an inquiry here and there for cable & such.

Tue, 11/03/2009 - 20:16 Permalink

I know with the economy in the shape it's in. Identity theft is probably on the rise. So yes I would definitely get her to check into it. Because something isn't right about that. I'm not sure but don't you have to send a copy of the death certificate to his creditors.

Tue, 11/03/2009 - 20:22 Permalink

Well, I'm pretty sure he didn't have creditors. They always paid cash for everything, even for their death planning; which is paid for in full for both my grandpa & my grandma. Maybe its medical? I don't know. I'll have to look into it for sure. If there were death certificates supposed to be mailed out, I'm sure that was taken care of. My grandpa died just months before I was born, so I don't know too much about the financials on their end; except for what my gramz tells me & her credit report lol

HOW do you look into it though? I have no idea. Can you even pull up a credit report for someone who died, let alone someone who died 21 years ago!?

Tue, 11/03/2009 - 20:36 Permalink
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Sat, 11/30/2019 - 13:03 Permalink
Renner Wilson (not verified)

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Mon, 12/02/2019 - 14:47 Permalink
Renner Wilson (not verified)

My score was 352 out of 900 on clear score as you can see I cannot get anything at all due to being immature few years back. I had a few negatives, I had an IVA, I also had defaults with telecom companies and also credit cards. I went online and found a credit repair expert on credit sesame. I contacted him on his personal email – (DANIELKENCYBERSERVICES AT GMAIL DOT COM)and he asked me to text him on his number +1 407-680-2514 for further discussion and I did immediately. I said to him, “if you can help me I will forever be in your debt”. He said to me I will help you bring your credit profile up to speed. After few days he deleted everything bad on my credit report and increased my score from 352 to 819 making me the happiest man on earth. God bless him and his entire household. I strongly recommend him for your credit repair.

Mon, 12/02/2019 - 14:48 Permalink
Renner Wilson (not verified)

My score was 352 out of 900 on clear score as you can see I cannot get anything at all due to being immature few years back. I had a few negatives, I had an IVA, I also had defaults with telecom companies and also credit cards. I went online and found a credit repair expert on credit sesame. I contacted him on his personal email – (DANIELKENCYBERSERVICES AT GMAIL DOT COM)and he asked me to text him on his number +1 407-680-2514 for further discussion and I did immediately. I said to him, “if you can help me I will forever be in your debt”. He said to me I will help you bring your credit profile up to speed. After few days he deleted everything bad on my credit report and increased my score from 352 to 819 making me the happiest man on earth. God bless him and his entire household. I strongly recommend him for your credit repair.

Mon, 12/02/2019 - 14:48 Permalink
Fatima Lessa (not verified)

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Tue, 12/03/2019 - 07:40 Permalink
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Wed, 12/04/2019 - 11:37 Permalink
Kevin Williams (not verified)

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Wed, 12/04/2019 - 23:30 Permalink
Franklin Moore (not verified)

I filed for bankruptcy last year and we also wanted to move to Las Vegas by the end of October 2018 therefore we needed an urgent help fixing our credit. Well I sort for help online and I read quite a lot of good reviews about a credit repairer. I contacted him for credit help. We got started and after a couple of days, he cleared the debts and the bankruptcy on my credit profile and eventually raised my score to 795. Thereafter, we moved to Las Vegas and my credit still looks good. Feel free to contact him via his email; DanielKenCyberServices @GMAIL.COM or number; +1 407-680-2514 for credit issues.

Fri, 12/06/2019 - 00:13 Permalink
Kate Hunter (not verified)

Thursday (November 22nd , 2018) was my thanksgiving day not because it’s a day set aside for we to be thankful but because it was the day I got my credit fixed by Daniel. I had all 3 bureaus reporting 550, 557, etc. main thing, I filed for bankruptcy chapter 13 to pay everyone back and then I asked to dismiss it. I had a couple of 60 days late payments but I was up to my limit on my cards but they were low limits; $300, $500 and $750. I signed up for credit saint in June but they are very slow in their process and couldn’t even remove the bankruptcy. I was making more research and by chance I found Daniel and his contact; DANIELKENCYBERSERVICES@GMAIL.COM, +1 (407) 680 2514. From many of the names I found for some reason, I identified more with him, I'm a mother of 2 children and I have always wanted to buy my house but by credit report, I have never been able to. I did bought one house in Puerto Rico but it entered foreclosure. Well I trusted Daniel with my credit and he delivered my life from shame and failure bringing joy and reason to be happy again. He raised my score to 789 and deleted the bad items on my report and it still looks nice up to date. Feel free to contact him and get your life back again.

Fri, 12/06/2019 - 12:33 Permalink
James Graham (not verified)

Hello my name is Franklin, For the past 7 – 9 months, I have been battling with my credit score because it was very low and i wanted to buy a house, until i met this hacker through a friend of mine. He removed all the negative items on my FICO report and increased my credit score from 461 to 785. I was really surprised that he helped me do it within a couple days,even though I doubted him at first. He got my report information and in few days my TU,EQ,EX AND FICO was fixed. He is genuine and reliable, contact DanielKenCyberServices or +1 407-680-2514, he'll surely help.

Sun, 12/08/2019 - 01:45 Permalink
Douglas Francis (not verified)

I'm on a budget of purchasing a new home in Alabama but my bad credit was the issue until I was referred to DANIELKENCYBERSERVICES @GMAIL.COM whom fixed my bad credit to 811, removed all my warnings and evictions now I'm good to go, you can also text him via his phone number +1 407 680 2514 .. he’s amazing !

Wed, 12/11/2019 - 22:32 Permalink
Tracy Allen (not verified)

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: / +1 (520) 800-6528 .

Sun, 12/22/2019 - 09:27 Permalink