I went through a credit counseling program and it took me three years to get it paid off. As i paid it off my credit kept getting better and better! By the time i was done my bank said they would approve me for any loan I needed on a house! They told me I had amazing credit. So I know credit counseling does work! Then again I didnt have any negative marks when I got on the program!

On a side note, you are absolutely gorgeous!

better to get it taken care of now than later on. you are still young, and can recover from this. just make sure you keep with the payments and you will be fine. it is a tough situation to be in. i do not envy you at all. good luck with that.

that sucks , i hope it gets sorted out

I was 20'000 in debt and had to go to a credit counselor, it has been about 3 years now and I'm down to 6'000

I work in finance. Bankruptcy and having a repo on your credit report are the kiss of death right now as far as getting approved of credit, given the current economic situation. Good luck!

Well I’m not completely sure, I would have to find my papers and if I do I will tell you, but I would say by this time next year it will be all gone and I’m pretty sure before then. It has been a hard road, I have to pay $425 a month and the way I do it is they take out like $103 out of my account every week, it has been hard, I think about all the tings I could have bought with the $425, but now it is almost gone and that will free up some money, the only reason I have stayed at this job for this long is to pay on that damn thing, I’m looking hard for a new job now. I can see the light now, I didn’t think it would ever get paid off when it was at 20’000. You have got to do what works best for you.