I have ruined my credit

[DanielFBowman]

Good afternoon everyone;

I was wondering if anyone could share any experiences they have with Debt resolution services. I have been reading through forums and google but there is so much conflicting advice and marketing messages how do I know who I should work with or if this is even the right path for me. It is really hard to trust people in this industry it seems both on the side of getting credit that is right for you and then dealing with the issues that come with poor management of credit in the past.

Would love to hear from you all

Thanks;
Daniel

[JoeMurphy]

Daniel,

With the information you have provided it is difficult to provide you with a very good answer. I can't tell whether your credit is bad and you have money to pay back your creditors, or if you don't have the money to pay back your creditors which will also result in bad credit. Bankruptcy is always an option as well as debt consolidation. I would recommend you contact a not-for-profit Credit Counselor to give a professional a chance to point you in the right direction. You could also post more information on this site and hope some people could help you. Either way, the sooner the better when it comes to fixing credit. Remember, the information will eventually disappear from your credit report. Start your new credit life today.

Wishing you the best,

Joe