Re: I need some guidance, please help.
Thank you DavidBibby for your reply.
Just to clarify, the first and most obvious step would be to call up the creditor and ask them exactly how much I owe, but how would they be able to answer me unless they have access to my account? I'm a little confused. Unless I'm confusing creditor with the collection agency?
I only have a couple hundred dollars right now to spare and probably can't get 1,000 until the end of this year. Would it be better to wait until then or go ahead now and make a payment arrangement? I'm trying to avoid getting sued, which I didn't even think about before.
I apologize if my questions seem embarassingly stupid, I'll admit I lived with my head in the clouds until now.
Again, thank you.
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