Otter35
Junior Member
Last Activity: 02-04-2026, 02:05 PM
Joined: 01-07-2026
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No I not only want to get my credit back but I obviously feel that I owe them at least something. I don’t believe in free lunches and although I will be paying them back a fraction of my debt at least I can say I settled my debts. It’s a psychologically satisfying feeling I’m sure.... -
Because it’s not a status that I want to live in forever. It’s a means to an end. I’d rather settle for 25% and start rebuilding my credit than hoard my cash and live with a 500 score for 7 years...Leave a comment:
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So after doing more research I’ve 100% decided to settle my own debt for 15-25%
The reason I’m so confident about those numbers is because I found out that I am “judgment proof”
I live in PA which means no wage garnishment, I own no assets, and I’m putting all my money into a...Leave a comment:
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So I randomly looked through my credit report today and found that my total debt is not as high as I thought
Credit Cards- 187k
Personal Loans- 30k
Back Taxes- 57k of which 12k is priority
its not night and day better but I thought I was around 310k in debt, and that’s...Leave a comment:
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I’m glad you were able to get a much better payment confirmed.
Yes, I understand that asking for a narrow estimate is probably asking a lot but in the same respect if these lawyers deal with the same trustees and judges every single day every single week then I don’t think it’s an outrageous...Leave a comment:
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I’ve spoken with 4. Two of them sounded legit and two sounded like they were ambulance chasers. I’m going to connect with the one lawyer who told me to maximize all my contributions and allowed expenses to minimize my disposable income. He wanted $500 to run my numbers but didn’t say specifically...Leave a comment:
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