Where,What, and How do I begin to repay my debt?
465727
First, you need to obtain all three of your credit reports from Equifax, Ecperian, and Trans Union. There is a fourth, somewhat smaller bureau called Innovis (Minneapolis, Minnesota). It would do good to ask for a report from them as well. Set a goal as to the time frame you want to "clear" your credit. Judging from your credit reports, assess which negative reports will be "falling off"(7-10 years, depending on the case), and which ones you need to pay. Before you pay anything, try to do what is called a "debt validation", . This is when you can write letters to creditors requesting proof of what you owe. If they can prove you owe it, then write certified letters to the company(s), and negotiate how much you will actually pay. If not, then request via certified mail that they remove negative listings from your credit report. DO NOT CALL THEM, and if they call you, simply say "no comment", and hang up the phone. MAKE SURE you get any promises in writing, including the promise that they will promptly report to all 3 credit bureaus that you have satisfied your debts. Budget yourself. Save whatever you can, and pay off debt in lump sums. This is a long process, so be patient. It is well worth your time. I have said this time and time again, but this is a great website. It helped me greatly when I was getting my credit together: www.creditinfocenter.com    This site also has some templates for the letter I was just talking about. This stuff works, and you will be using the same steps all these debt consolidation companies use, and get results. The only difference is is that you will be saving yourself some money.
1000499
Ive been in the same situation myself recently, \n\nIm out of debt now, but its about hoarding as much cash as possible to get yourself a start. \n\nTry part time jobs, Car boot sales, overtime... anything you can... Eat cheaply, Go out less, try catalogue sales work in the evenings.\n\nYou will get there in the end!!
569737
1. Have a checking account.\n2. Apply for small credit line for something you need furniture, Department store credit card and gas cards are a good place to start.\n3. Pay them off on time do not Carry a large debt. \n4. Maintain a small debt to income ratio. That means your income should be many times greater than your debt. \n5. Constantly, stay informed about personal financial matters.\n6. Do build savings and build a large net worth.\n7. Take a few classes on personal finance.\n8. Make certain that your housing cost rent or mortgage payment plus utilities is never greater than 30% of your income. In fact aim for 25%.
366527
I have seen many such web sites, but believe that solid financial decisions are the best way to get out of debt.  Many websites attempt to charge you for their information, so I would be cautious about those.  A debt payoff website should not charge you for their services, as that will just compound the problem of being in debt.\n\nIf you are interested in paying off debt early, I recommend that you embrace the following steps:\n\n1. Stop creating new debt - no loans, no credit cards, nothing\n\n2. Identify the debt with the highest interest rate.  Contact the company and request a lower rate.  Many companies will give customers with good records lower rates to keep them as customers.  If your company will not, consider transferring the balance to a lower interest card/loan.  Be careful to avoid fees for this type of transfer and always read the fine print.  Repeat this step as necessary for all of your debt until you have the lowest rates possible.\n\n3. Take the highest interest rate debt you have at this point and apply savings you have to this debt, along with any additional money you can scrape together.  Never pay just the minimum on this debt.  Your goal for this debt is to get it paid off as quickly as you can manage.  I have found that it is often necessary to give up some luxuries while paying off your debt, but remember it will all be worth it when you get to the end of the tunnel and can enjoy all of your income as you wish.  Continue making the minimum payments on your other debts.\n\n4.  Once you have paid off the highest debt you have, apply all of the money you were using to pay off that debt to the card with the second highest rate.  Continue whittling away your debt by paying off each debt in descending order.  Apply the money from the other debts to the next debt as you pay off each loan you have.\n\n5. Once you have paid off your debts, begin a savings plan moving the debt payoff money into a savings account each month to begin working for you.  Buy items with cash in the future, using the savings that you will accumulate.\n\nBy the way, I've been debt free for 9 months now!!\n\nGood luck!
118797
Buy some furniture and pay it off on their 30/60/90 day no interst plan.\n Be sure to pay off the balance on the third payment.\n\nReally, you are young and have a lifetime to pay their pockets.  You won't have any problem getting a credit card. Ask me later how you can get out from under 20k debt.
208534
I'm going to assume you have unpaid debts that went to collection.  Start by going to your creditors, and giving them a plan to have the money you owe them paid back.  Then stick to that plan like your life depends on it.  Once repaid, they'll clear your name, and report your debts paid to the credit bureau.  \n\nAll the while you do this, keep all payments up to date.  Now this is going to take some time, but the number one and two things lenders look for with people who had previously bad credit are your resolve to pay your uncollected bills, and your resolve to have learned from your mistakes, and keep all payments up-to-date.  Good luck!
366867
Contact the agency, don't wait for them to call you. Most times when you're calling into an agency, as opposed to them calling you, the agent will be a lot less aggressive. If they STILL demand the full amount, STAND FIRM!!!! Explain that your intention is to repay your debt, but that you need to make arrangements to repay your debt in a way that you can follow through on. If this doesn't work, send them a letter notifying them of your intentions to pay, the amount you will pay monthly, and when you will send the payment each month. Next, send them the first payment. What are they going to do, send your money back and say they don't want it?!?!? Most important---pay on time, stick to what you agreed upon. Good luck, I hope this information is helpful.
779394
FROM BILLS AND DEBTS !?!!!!!!\nYES!!!!!
1050091
Yes, find someone who will hire you.  Get a job and pay your debts.
213017
Stop eating out, or whatever you spend the most non-essential money on. Then take all the money that you would have spent, and put it toward fighting your debt.\n\nBe consistent. It should only take you 18 months, which is Small in comparison of 30 years. Think about it.
143896
The best plan is to get on a tight budget, work extra, sell stuff, and put all the extra money toward the debt.  Check out http://www.daveramsey.com and the forums there for additional information on becoming debt free.\n\nGood luck.
1028618
Pay what you owe and then don't go back.  That's the only way out.
353323
Contact them as soon as possible to set up a payment plan.  Most government agencies are willing to work with you on that.  I've seen people pay as little as $20/month on debts owed to the government.  Depending on your situation, they may even take off any interest or late fees.  Just make sure you contact them before they start garnishing your wages.  You do NOT want that to happen...depending on the debt, they can take as much as 25% of your disposable income.  Good luck!
984508
pay off your debt first, then put the rest in a savings account such as HSBCdirect.com or in a money market account, you can find out the best rate at bankrate.com
601231
I you want to know how much debt you're in, you're going to have to do the 'legwork' yourself. Just gather up all  your most recent 'debt' statements: credit cards, car loans, mortgage, medical bills, etc. and then add all the totals up and that will give you a fairly accurate picture of just what and how much debt you're carrying.
58616
How do you get out of DEBT?\n\nFirst - Contact your creditors.  Explain your situation, and see if they'll lower the interest rate on your cards.  \n\nSecond - ALWAYS pay more than the minimum amount due.  If you don't, it's very possible that you'll -never- get out of debt.\n\nThird - If you can possibly live without using your credit cards, do it.  If you can't live without them, try to limit your usage to an amount you -know- you can pay off (INCLUDING those more-than-minimum payments) at the end of the month.
1059262
You're only 21 and you already know you're going to retire from your county job? Sounds very immature. You're in a very high credit risk category, with a huge risk of default. Why would anyone lend you money at 15%? I'm not sure why anyone will would lend you at ANY rate at all.\n\nI'm guessing some of your debts are now in collection. See if you can negotiate with the collectors to pay off a smaller amount. Sometimes they'd rather accept a smaller amount than nothing at all. You may need help of credit counseling services, just make sure they're legit. Read my source for some more information about this.\n\nIt looks like minimum monthly payments for your debts add up to at most $650/mo (my estimate). If you don't want to or can't declare bankruptcy (which I don't recommend), what you need to do is order all your debt by APR, and while making minimum payments on all of them, put any extra money you have towards the debt with the highest interest rates. Do not be tempted to pay off the smallest debts, it is financially unwise. You will pay off all your debts much faster if you pay down highest interest debts first.\n\nIt's hard to believe you can find a 1-br for $250/mo anywhere. But you didn't include any other bills (electricity, gas, land-line, cable). I certainly hope you don't have cable or land-line.\n\nYou have an $82/mo cell phone bill. What's wrong with you? Do you realize that's almost $1000/year? You could be using most of that to pay down your debt. Nobody needs that much cell phone. Start watching your minutes. Start using the landline instead of the cell phone and get rid of the cell completely. If you need it for emergencies, get a pre-paid one (only pay for the minutes you use). If you have a computer, get Skype (free PC-to-phone calls until January).\n\nYou should not have co-signed your cousin. If they fail to pay, or are late, you'll get a ding in your report (and it'll stay there for a long time).\n\nWhile it appears your heart is in the right place (the only reason I'm replying to this question at all), you still have a long way to go before you can be trusted with money. Come up with a budget, follow through with my suggestions, read the resources below, and tighten your belt. You should be out of this mess in a few years.\n\nAnd "Of Course I would quit. I would actully just leave and not tell anyone because everyone annoys me here" yet again shows your immaturity. You're only working because you need the money (not because you like it), and you don't like anyone where you are yet you plan to retire from where you work.