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I have a lot of debt and am behind on credit cards/pay day loans?

Creditors are harassing my parents daily (that I am already estranged from - they live in a different state). I have had 2 garnishments on my pay that have been satisfied. I don't know what to do or even how to begin the process of cleaning up this mess. Where should I start? I am a single Mom I live paycheck to paycheck and just got out of a domestic violence situation - spare me the lectures.

Asked By: Your Mom - 5/9/2010
Best Answer - Chosen by Asker
Chapter 7 Bankruptcy... More
Answered By: LUKE - 5/9/2010
Additional Answers (4)
bankruptcy or consolidation
Answered By: Kelly - 5/9/2010
 
Non-profit credit counseling service in your area.
Answered By: Sharon T - 5/9/2010
 
you really have two choices. One is bankruptcy chapter 7 as explained by someone else here but you have to realise that stays on your credit record for ten years and if that does not bother you then this may be a solution. Debt settlement is another option but most debt settlement firms take their fees upfront and have... More
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Answered By: Julius - 5/10/2010
 
Here is an article that can help you in your search. It is a review of a company I personally used. I was in a simillar situation as you and they where able to help me pay off my debt in 2 years. They stopped all calls from creditors and reduced my monthly payments to something that I could afford. My credit rating... More
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Answered By: Financial Guy81 - 5/10/2010
 
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