Hey guys-
So, basically, my credit is fucked. I have outstanding credit card debt, which I haven't paid on in years (it's on so many different credit cards, I don't even know who to send money to at this point.) I also did did a "voulentary repossesion" on a car that I got. About three years ago, I bought a car, it ran like shit, they wouldn't work with me at all (the dealership) and I left the car at the dealership and gave the keys to the salesperson. Not a very smart thing to do, but I did it nonetheless, and apparently now I still owe about 18 K on a car that I had for one year and allready paid 10 K on! So basically, I feel that to clean up my credit, I have to give 18 k to this dealership for some shit that I am not even using and will get no money back on!
I feel like bankrupcy is my only option at this point, but I really don't want to do it. Does anybody have any advice or have been in a similar situation??
Thanks a ton!





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