ADR_NJ_080 Posted July 28, 2014 Report Share Posted July 28, 2014 Ok so here's my story: I have had problems with my credit for like 4 years. But, last year I ordered some designer drugs online and I guess a bad mixture somehow, cuz the mixture sent me out the window, falling 2 stories. So my life hasn't been fun since after that happened. But I'm starting to heal, the only problem is that I still have problems with my credit. I guess the first part would be that I need to heal enough to have a job. Once I have a job, I can start paying off debt that I owe and rebuilding my credit. But I'm several months or years away from that. But what would be the best/easiest way to rebuild my credit? Is there anything easier than just paying off all the debt that I owe? I wish there was an easy fix for someone who once had a job but can't find one now, but there doesn't seem to be. well please reply, if you feel like it, when you have time. Thanks! Quote Link to comment Share on other sites More sharing options...
willingtocope Posted July 28, 2014 Report Share Posted July 28, 2014 If you have no income, look into BK 7. That will stay on your reports for a while, but you'll be able to get credit within a year of getting a job. (And, as someone who has to get my meds online...be careful with that.) Quote Link to comment Share on other sites More sharing options...
ADR_NJ_080 Posted July 28, 2014 Author Report Share Posted July 28, 2014 Yeah I was thinking about filing chapter 7 bankruptcy but I have no idea what goes into that. I plan on doing a lot of research over the next 2 weeks or so and then make a decision after that. But, time for me to get back to research! Quote Link to comment Share on other sites More sharing options...
CordusAdmin Posted July 30, 2014 Report Share Posted July 30, 2014 @ADR_NJ_080 - from personal experience, if you do go down the path of BK, get a GOOD ATTORNEY! Get recommendations from others or thoroughly check them out! My husband and I got bad advice from a BK attorney and we are paying the price...... 1 Quote Link to comment Share on other sites More sharing options...
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