So I have bad credit my credit score is 458, I experienced with credit cards right when I turned 18 no one told me what kind of damage they could do I am paying the consequences now. I am 25 going on 26 and I am considering bankruptcy. I have sat down and reviewed my debts and I am thinking that I can probably pay some but they are old from when I was 18. The last think that hurt my credit the most was a car that I purchased and had to let go it was repossessed, and I am now being sued. I have been stressing out so much about all this I will outline what I owe below and I would like advise about what I should do file or try to pay things little by little. I live pay check to pay check am a single mother and only make 10.00 and I only work 30 hours to 35 a week because I have doc appoints for my son or he gets sick or I have to miss work because there was no school and I can not afford a sitter. So please give me some advise I am young but I have already ruined everything I know that
bankruptcy will stay on my credit for 10 years but honestly I don’t think anything else matters . This is what I owe
Credit card 2000 capital one
Credit card 1000 verizon
credit card 500 exxon
credit card 800 walmart
apt 2000
apt 2000
repo 5000
medical 5000
These are all rounded numbers and I don’t know if I can really afford to pay this I have to go to court concerning the car in may please help need advise
These are all cards that have been closed and are on my credit everything is on my credit. I don’t have a hs diploma or ged so it’s hard to find a better paying job. I have tried looking for a second job but no one can work with my hours I work 9-6 every day. My current bills are
rent 640
light 150
food 200 month
gas 40 week
and thats not including emergencies such as doctors co pays meds, and personal necesities
I do have family but they always back out on me I have learned that I have to do everything on my own and I can not count on anyone but myself. I have not tried debt consolidation because I thought that your debts had to be current and mine are not but I keep getting collection letter and calls I keep changing my number and it’s getting old because I dont know how these companies get my new number I don’t even have a regular cell it’s pre paid, and where I live now my mom got me the apt i’m just tired of all this

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We filed BK March 30th 2009. Capital One referred/sold our debt to NCO to collect. NCO & Capital One were notified of filing April 2nd-this verified by attorney back in April. NCO kept calling way into May and then stopped. Attorney told us to ignore the calls which I did. Then later he said we just should have told them to call him. Last Friday I got a call could not make out the name but she said we had better make it a priory to call them and gave number. Googled the number and someone on the complaint board said it was the legal dept of Capital One. Today I get another call and answered it. The person calling said she was from Collect Corp and Capital One had just sent the file to them. Being I was already irritated I started asking her questions like did they refer this to you to collect and then you get a percentage or did you buy the debt. She did not know what to say and said that it had nothing to do with the debt we owed. Told her it did just to piss her off. So I asked her again and she still would not answer. Then I asked her if she knew what the Fair Debt Collection Practicing Act was. Her question to me was "Why did I do something wrong? What is that?" I then asked her why she did not know what the FDCPA was if she is a collector. And then asked her again if she was working with a collection agency. Yes she was a collector and worked for the collection agency. Then I asked if she was taping the conversation-Yes she was. Asked her why she did not advise me that she was taping the conversation (I live in WA state) and where was my mini miranda? Said she was just trying to leave a message for my husband and I just kept asking here questions. And asked for attorney’s name again. I did give her our attorney’s name and number. She did not know about the bankruptcy But she was getting so upset with me that she hung up. Poor thing was so flustered. Even though I was irritated with her I kept my cool and talked in a soft voice. I have several questions if someone can help me. Should I call Capital One and find out if they did actually did turn the account over to Collect Corp and get the chain of ownership? Also NCO had the debt before them so wouldn’t NCO have sold the debt to Collect Corp if they bought it from Capital One. And Why would Capital One refer debt when they had notification of the BK. I do have an appt with BK attorney Wed and I would like to have some answers before I speak to him to see what we can do about the calls. I really want to nail these people. NCO left so many abusive calls on the answering machine. So whatever help anyone can give would be greatly appreciated. No survey spam please.
Sorry Cat Dad my bad. Does anyone have any clues or insight as to why Capital One would send out a BK account? Or did NCO sell the debt and idiot collector from Collect Corp has no clue? Should I call Capital One and hit them for info?

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I have improved credit after filing bankruptcy about 5 years ago . I was able to secure auto loan and capital one card , but I find I am desperate for small loan of about 1,500 and most payday loan places offer a max of 800.00 in our area. I am also very scared of all the online fast loans due to scamming for information .Any ideas?

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I called capital one’s lawyer and they told me that they filed a lawsuit and i can’t afford 12k to pay back in judgement. I dont know when is the court date but i cant pay the judgement and i’m only 20 years old and i dont want to file bankrupcty at that age. what should I do or what should i tell the judge on my finacial situation? I’m on a stage of confusion and i want to get out of this debt. I just need to know what would the judge do or what can i say to the judge about my situation? Please help

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