Frugal Living How
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 Learn How To Create A Worm Farm Make Compost Tea Earth Red Book $3.97 Time Remaining: 21d 20h 1m Buy It Now for only: $3.97 |
 Worm Farming Learn how to compost farm recycle bin red soil composting earth $3.97 Time Remaining: 21d 20h 5m Buy It Now for only: $3.97 |
 Vermicomposting Composting Kit Complete Starter Kit $29.95 Time Remaining: 1d 1h 6m Buy It Now for only: $29.95 |
I am young, desperate, and ignorant... How do I repair my bad credit?
I am 23 years old, I live in Southern California, I am a full time student, I work full time, I support my self alone, and I make about 1600 dollars a month. My expenses basically equal that and I live very frugal. I may have a little extra money left over in savings but that usually gets sucked up by a medical or transportation emergency. I have a 5 year old combined debt of around 3,500 dollars to a bank and credit card account. Then I have around 1500 dollars in medical debt to various creditors over the course of 2 to 5 years. I obviously have bad credit which becomes a vicious cycle but I want desperately to chang this and take the best approach I dont know what to do? Should I or can I file for bankruptcy? Debt consolidator? Pay off the debt in small payments ?( I could maybe afford a 150 dollars a month towards my debt) Then what do I do to rebuild my credit after I repair my mistakes?
What about medical insurance. Every school my kids have gone to has required them to be in the college health insurance plan unless they could prove they had insurance through their job or family.
