roughly i owe:
*$3,000 maxed out chase credit card
*$1,000 maxed out providian credit card
*$500 maxed out providian credit card
*less than $200 to cingular wireless
*$2000 to collections for an apartment that i defaulted on the lease of
*and $7304.94 to mazda american credit for a car i voluntarily surrendered.
i quit dancing for the last three months and am going back tomorrow, so i will have the extra income to take care of this soon.
i read on here about filing a dispute that these debts even exist in small claims court with the companies and if they cant furnish a signed contract i will win by default? or you can settle with the company for 10%-30% of what you owe? i read that this information can be found in a book by bob hammond called life after debt (which i can buy used off amazon for 33 cents) has anyone ever done this? he also has information about setting up new lines of credit that may or may not be legal (but i want to try it reguardless)
only mazda has my current address and phone number, isnt there also a way of becoming "uncollectable" and having your debt erased that way? i havent paid any off these debts for around 2 years and many of the bills and collection notices go to my previous addresses in california and arizona.
before i learned about these alternatives i figured all i could do was file bankrupcy, but i was hesitant because i would really like to be able to take out student loans in the future and i dont know how a poor credit history would effect that, nothing i can find online is really helpful.
AND, i have back taxes to file.
half of 2002
all of 2003 and 2004.
i will be talking to a professional about this when i finally do it, but before i schedual an appointment what should i bring? i have no recepits from these years - i wont be writing anything off. the only finanacial records i have are bank statements.
ive also read about incorporating yourself (i would actually choose to be a LLC), so you can also recieve a corporate line of credit. couldnt i use that credit (say from a cash advance on a credit card) to pay off my back taxes and whatever i end up owing to from past debts? or am i misunderstanding the way corporate credit works? it seems like a lot of additional bookkeeping and effort when filing taxes to become incorporated, but i could REALLY use the additional lines of credit. im also in the process of starting up my own pin-up website and im wondering is incorporation would be benificial as a dancer and model to become a LLC in my case?
i really dont know very much about accounting or personal finances but i really want to learn, any information you have i would greatly appreciate.



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