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HoneyKiss:
That is a fabulous and informative website.
NoworNever:
Do not beat yourself up too bad. I, personally, think the credit industry is made up of the biggest bunch of predators around. They are in the practice of taking advantage of our young people and trying to ruin thier financial lives before they even begin. You are not alone.
Read the information on the website HoneyKiss 1974 posted and try to educate yourself about your situation and options. Although no one wants to file bankruptcy, you would not be the first or the last nor would it end your life. But, if you haven't tried this, you may want to contact the collection agencies in writing and inform them that you only want to be contacted n writing so they stop harrassing your momma. Request proof of the debt. Next try some of the tactics mentioned on the website. You may successfully negotiate a payment plan that although long will get you on track. If I think of anything else, I will PM you.
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