Scorepro,
The credit card was charged off and sent to a collection agency. It says I owe $840. It is almost 2 years old so still within the 5 year SOL for my state. I have not tried to negotiate with the Credit card company yet. I was waiting to pay off other debts first. I just took a big hit today, did my taxes and found out I owe over $3300 this year. With all the arrangements I have made to pay creditors, this is a big blow, needless to say, I won't be filing that return anytime soon.
All my debts are with CAs. 2 hospital bills I have made arrangements to pay will be paid off in about 4 more months. Yeah they will stay on my CR, but they will show 0 balance at least. I have a bill of $42 for ambulance ride charged off. Another for x-Rays of $35, I figure I can pay those 2 off. I have a debt to a jeweler for $272 charged off, it will come off in Aug 2011. I owe an old phone company bill that is set to come off in Sept of this year, it is almost $800, that one I am going to ignore and let it fall off on it's own. All my other negative items are 8 student loans, 2 of them were sold to another creditor, who I am paying, and I am paying on the remaining 4 as well in the rehabilitation program, But the 2 old ones that were sold are still on my CR showing a 0 balance. Everything is being paid on except the jeweler, and the ambulance and x-ray, I am waiting till I get my student loans out of default and the 2 hospital bills paid. Then I am going to use the money I am paying the hospital bill with and pay those debts.
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