Should I pay

[Twiztedkonceptz]

I know i may be in the wrong forum, but you guys are awesome lol....i have a question for you....im not going to file bankruptcy, i was able to clear all of my issues up without it, but i do have a repo that was charged off and it still has a balance of 3029.00. I have been told my a few people that i shouldnt pay it because it is all ready charged off and considered bad debt. is that true? is it going to make it any worse if i dont pay it? can they attach my wages or anything?? any info would be greatly appreciated!! Thank you!!


Nick

[FilingOnMyOwn]

Even if you paid it would still appear as a charge-off, just that it would be paid. Now the only problem lies in that debt being passed around. It could go from agency to agency and now the same bad debt is on your credit report multiple times. So thats what you're worried about. They could sue you and garnish your wages for it, but 90% chance they won't do it for only 3 grand.