Help with Debt Under 5k

[ready2star]

Total debt is between $3500-5k no credit card debit. Only wireless providers,Utility Bills, like comcast. Do I just start paying things off and get a secured debit card or what. Please Help.

[Lian]

A few pieces of information are needed as a starting point.

First, has the OC charged-off the debt or placed it for collections, and has a debt collector contacted you or reported to your CR?

The date you need to start with is the DOFD on each OC account. That sets the 7-year plus 180-day period for continued CR inclusion. It also, depending upon your state SOL statute, sets the initial period of running of your SOL.

I suggest you determine the DOFD on each OC account, and the date and period of running of your state SOL for that type of debt.