Fabulous said:
6 grand on it, I decided not to pay them off ..... filed a small claims law suit I didn't bother filing a defense cause I knew I was guilty lol, no sense wasting more money lol, anyway now they have a judement against me.
Well, you're just making things much, much worse for yourself by doing nothing about this. You want this process to end SOONER than later. It would have cost you nothing to show up at that judgement, you don't need a lawyer for SCC. You can just go in person, say, yeah I owe it, but I'm broke. The judgement would have likely been for LESS than the full amount. As a result of your not going they got a FULL judgemenet against you. Not good.
Other credit cards I fucked up along the way, as my credit rating was getting messed up from the first one and then I just didn't care and maxed everything out.
It never crossed your mind to stop charging up your cards?????
(I don't know how or if this is even possible, but at the time of the small claims filing I happend to have several grand in the bank and I don't know if they could see it or know it that I had the money?, if somebody has the answer I'd like to know)
They might be able to NOW that they have the judgement, but they wouldn't have been able to see it back then. They probably just sold off all their bad debts to a collector and that restarted the process.
You really should educate yourself about your situation and take a little more responsibility for your life. This will just keep messing up your life until you get it resolved.
Here are some things you should do/know:
1. The 7 years to clear credit doesn't start until AFTER you declare bankruptcy, which takes some time. So if you are just hoping you can wait this out, you can't. By doing nothing you are making this all last longer.
2. If you DO at some point approach the collectors they'll probably strike a deal with you. Rather than paying back $20k all at once you might be able to get them to accept small regular payments that add up to just half the total owing.
3. You can almost certainly get them to take back some of the interest they've charged you, and you can get the several high interest debts consolidated into a single debt with a low rate. The longer you wait the more interest you are racking up at the high credit card rate.
4. You can get them to stop calling you, but letting it go without doing ANYTHING about it is just the wrong thing to do.
Do deal with your situation. Do take some responsibility. People do get into bad situations sometimes, and there are policies in place to help people out of those situations--but once you're in one, you have to work on getting out of it, and take SOME responsibility, or it'll just NEVER go away.