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About tinae159

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  1. Thank you! I take those steps today. I have a little time as I am current on all of them at this time.
  2. I suppose I am so upset because I worked so hard to keep a good credit score. I was a member of this site a long while ago. I followed everyone's advice and learned a lot. Thank you all for that. Anyway, I am having a very hard time realizing I can't pay my obligations. I never imagined having to retire so early. I have Capital One, Discover, Chase, AMEX, Citi. I am about 30,000 in unsecured debt. I was considering the debt companies to settle them, just so I can pay the creditors something. I will not be able to return to work until my daughter passes. Hopefully that will be awhile and I am already 57 years old. I think I know the answer but I am probably trying to hold onto a life I had before her cancer. I do have to help her financially as she has a 2 year old. I am drowning.
  3. Hello. I am so confused. I had to retire from my job 2 years ago. My daughter is ill with cancer and I can not go back to work. I have a lot of credit card debt. I can't pay the payments and need advice. I am married but the accounts are mine only. The only thing I own is a new house with my husband. We live in Florida. I believe my income is protected as it is retirement income. I am trying to decide if I should use a debt settlement company or just walk away from the debt as I am supposedly judgement proof. Which option would be the worst for my credit score?I have spoken to a bankruptcy attorney and he told my to just stop paying the cards. He also stated that I do not need to file BK since the companies cannot collect from me. Thank you for any advice.