i huge mess!!
i stopped paying mine when i was 18, i had 1200 dollars on one and 2400 on another. when i went to pay it 7 years later so i could fix my credit and buy a house it was a mess!!
my credit was so low that i did not qualify, i had to haggle with them to drop all the interest/late charges and i still had to pay some of the fee in the end.
then i had to hire a lawyer to get them removed off of my credit history after i payed because even after 1.5 years after i paid they never took it off and i could not get ANYTHING!! not even a t-shirt never mind a house...
i wish i kept paying it instead i spent the money on my drug habit.
i got my house but it took me 4 years of fixing my credit, lawyers, late fees, loads of hassle/annoying phone calls from debt collectors (who NEVER go away!!!)
plz learn from me, pay your bills. even today my credit is low and i pay everything on time and most of the time i send Double payments .
i successfully paid off 2 cars, 1 motorcycle, 1 ATV, and i am half way through a 300k house and i still have trouble getting credit. (all of the loans had to have a co-signer except the house)
if i go in to old navy right now to get anything and apply for a card they tell me that i am denied LOL
either way it sucks and has sucked for a very long time and caused load of problems.
just set up a small payment plan and stick to it and your credit will be fine!!
my brother has a sickness where he is always going to be very sick. he has been his whole life. he owes more than 2 mil in med bills.
he send 3 , 20 dollars payments every month and his credit is immaculate!! (my co-signer)
good luck
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