I am a 25 year old, with over $10,000.00 in revolving account debt that I built with my ex boyfriend…when we split in December of 2008, anything that was in my name, I was left responsible for.
I have been a stay-at-home mom for the past 8 years, and just now have eased my way back into work. Long story short, my credit card accounts have been delinquant for more than 2 years, and I am seriously seeking any help on what I can do to clean up my credit and make a fresh start.
Even though the creditors have given up on calling me, I know that they haven’t forgotten, and these negative accounts severely effect my chances of credit in the future. I also plan on getting married within the next year or two, and want to ensure that my negative credit history doesn’t effect my sweetheart….what should I do? Bankruptcy? HELP!
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