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I Was Homeless and an Alcoholic and Have Some Debt. – John

“Dear Steve,

I was homeless for a long time & had a drinking problem iv gone through some programs in one now that helps with rent. im 65 & on a fixed income of 730.a mo. letters say i owe 900 to a co. down so. i know theres more cant get a debt list. an dont know how i could pay it any way (lost)

How can i get a list of my debt? & is there any help in getting out of it!

John”

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The Answer

I Was Homeless and an Alcoholic and Have Some Debt.   John

Dear John,

Congratulations on getting back on track.

The best way to find out who you may owe is to order a consolidated credit report. I just looked at one for someone else and they are the easiest to read an interpret, unfortunately there is a charge for that kind of report.

You can order a free copy of your credit report through AnnualCreditReport.com. You’ll then have to look over each credit report to determine who is reporting a debt you owe. Not all debts are reported to each of the three major credit bureaus so you need to look at all three reports.

Just because someone is writing you and claiming you owe a debt, it doesn’t mean you actually do. The first step would be to not admit you owe the debt but instead ask them for proof you owe the debt. This debt validation request is very important because it will require them to show evidence you owe the debt. A screen print that just says you do is not proof.

For more information on what type of debt validation you should look for, read this article.

Let’s get the facts before you even worry about paying on any old debt. Based on your situation you might not even want to at all anyway.

But let’s do this, get the facts and then come back and give me more information. We can take it from there.

Please post your responses and follow-up messages to me on this in the comments section below.

Big Hug!

I Was Homeless and an Alcoholic and Have Some Debt.   John
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If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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