
filed bankrupcy chapter 13
in march kept my home mostly credit cards paying all back through the courts

filed bankrupcy chapter 13
in march kept my home mostly credit cards paying all back through the courts

I bought my house in 2008 with a rate of 6.75% (I believe they ripped me off, my credit was excellent). I hear rates are lower now. MY credit is about 735. I have about 6000 in credit card debt. Should i pay it off now before I refinance?

My uncle will let me borrow 45K w/ no interest just pay him what I pay every month to credit cards (which is 500.00 per mo.) Or I could try n chop down my debt w/ debt consolidators and pay off the remaining debt and invest the rest of my uncles money. My debt will be zero but how terrible did I effect my FICA score?

Can someone lead me in the right direction? I’m very baffled on what my first step is. I have all 3 of my credit reports. I have medical and credit card debt. The medical is with collection agenicies and the credit cards are with them still(no collection agency as of yet). I keep reading about debt validation. Why? And with all of them or just collection agencies?

I’ve stopped paying on numerous credit cards for over a year. Is there any way to find out who bought the debt? I now have the money needed to pay these companies back.
Too terrible I didn’t have a house, otherwise the Democrats would have paid for it.