I am already past the 30 days on alot of them, if I end paying the original holder of the debt will that help too? As for the credit rating I am really not worried about the score as much as I am wanting to pay the debt, the way I look at it is if I pay the debt first the credit score will fix itself. I just need an option as to how to get the banks to work with me when I can't even offer them any money. Right me and my wife are looking at another year before we can even make a dent in our debt.
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