woeisme

Thanks for the quick replies. I appreciate the advice. Bk might be the best route, as much as I would hate to do that. The biggest creditor offered a 30% settlement. If I could get all of them to settle for 25-30%, my dad would loan me the money. What do you think the chances are for that? The alternative of BK would give them nothing, as I have virtually no assets. Do they take that into consideration or do they just stick with the 80% rule regardless of individual abilities? Thanks again.

Hi, I have been reading and researching the last couple of days as I try to figure out where to begin with my credit problems. My story in a nutshell: I had a premature baby in Nov 2003. At that point my husband and I were both students with pretty good credit. However, the insurance left a lot of medical bills unpaid and I just couldn't get any affordable payment plans with the various hospitals and doctors. I paid some of the bills, but the rest went to collections. I pulled my credit report today and I have the following medical bills in collections. (None of them are with the OC anymore):