To All:
Go to
www.creditinfocenter.com They have really good information in regards to credit, collections, etc. Basically (to NowOrNever) you have four options:
1. debt consolidation
2. debt settlement
3. take out a loan
4. bankruptcy
This site give you info as to what these are, as well as info on how to "repair" your credit - LEGALLY!! And its all free!
Ladies, I know during my undergrad years, we (I was an Alpha Angel) we did seminars explaining how to avoid the college credit card debt trap. Most of us (black folks) are really unaware to what that one Visa can do to you.
When I was freshman, I wish someone would have offered a seminar for me
