2 yrs ago we moved to a different state ( Nevada ) to start new employment in the hospitality indistry.
My husband and I had a good credit rating at the time and did have a few credit cards that we managed very well.
We both struggled with our careers and it affected our credit ratings as it took a drastic downfall. We were behind one month, then two, then to none at all.
My husband and I are just now being able to pay some of our very small bills and are now even able to pay rent on time. Unfortunatly I am now getting calls from different creditors including Capital One stating I am being sued and it is going to my jurisdiction.
I dont know what steps to take as many of these companies want payments in full or will not work with me in a resonable amount. What steps should we take? I have heard of filing bankruptcy but I have never done that before. I have also heard that if you do file it goes against you at your employment.
CindyCredit Card Debt is Dragging Us Down in Nevada by Consumer