In large amount of debt due to underemployment and then unemployment.
Used retirement to pay off one debt; still have 2 others; have paid very small amount on each to original creditor.
I missed one payment and the collection agency called. Bankruptcy is not an option since my house payment is very reasonable.
I asked a collection agency to provide me with proof they own the debt. They sent me copies dating back to 2008 of credit card statements.
Is this the only proof I need from them? I would like to deal with them but they want more a month than I can afford or a lump payment of 3/4 of original debt.
I recently found a job and hope this doesn’t interfere with the job. Do you have a suggestion on how to handle this? I want to pay my debt but cannot afford much a month.