Who should I be talking to about my debt?
June 16, 2012 1:44 PM Subscribe
I have about $10-20k of unsecured debt that is over 5 years old. The money has been discharged to collections and I have had judgements against me.
posted by laptolain to Work & Money (11 answers total) 12 users marked this as a favorite
I have done my free credit report and understand most of what I owe but there are still many questions. I'm afraid to contact any of the collection agencies because I've heard that it can "reset the clock" on debt which might become void after a certain period of time.
Who should I be talking to about my options? My family has referred me to accountants but when I call they say they only deal with tax related matters. I'm not really looking for debt consolidation and I don't want to go to someone deals strictly with bankruptcy because I feel they will push me in that direction without giving me an honest assessment of my situation.
I am in my early 20s and live in NYC. I make minimum wage at best so $10-20k is a huge sum of money for me. I have almost no savings. The debt is the result of stupidity from when I was younger and I feel confident it will never happen again.