If you have debts and collections that are affecting your credit scores and ability to buy a home, a car, get personal loans, etc... there are really only 3 possible choices...
Pay Your Creditors- That, of course, is much easier said than done.
Fix Your Credit- We are committed to helping you do just that. Whether you use our professional services, do it yourself after purchasing our Credit Kit and Manual, or even if you just get it for free. We are going to help. But it's important to know that not all debts are created equal. The older a debt is, the easier it is to get it removed. The more recent it is, the more difficult. If the debt is less than a year or so old, the creditor can often pull out the information they need to prove the validity of the debt by just reaching into their desk drawer. If the debts that are causing you the most problems are new, your best bet may be bankruptcy.
File Bankruptcy Bankruptcy no longer has the negative stigma that it once did. And with the credit repair kits that we included with your bankruptcy page, you can find your self credit worthy in no time. For details of what Bankruptcy can and can't do for you please see Bankruptcy.
We do our best to provide you with all viable options. But remember, do something! Worst thing you can do is to Do Nothing. Credit issues do not disappear on their own. Collections turn into judgments which turn into garnishments from paychecks and confiscation of bank accounts.
The quicker you get to work on solving them, the quicker they will no longer be stopping you from buying that car, getting that new home, or that credit card, etc... and remember, if you want to fix your credit on your own, we'll even GIVE you the tools to do so.