The creditor aren't going to tell you they will take less. Generally you need an intermediary to deal with them. They are there to scare you and bully you not help you. I know the USA has lots of smart nice people. I keep thinking a church but really any group of nice people might be able to extend some guidance for you. I think that is the main benefit of a church, people gathered together supposedly in service. How old are you again? In Canada youth services offer some guidance till 30 I think. Of course I didn't know that till I was 35.
Google bankruptcy your country will have slightly details (its 7 years in Canada)but yeah bankruptcy is to free you from debt you have no way of paying back. You have no assets to lose so better to deal with it than let it weigh on you any longer.
Google bankruptcy your country will have slightly details (its 7 years in Canada)but yeah bankruptcy is to free you from debt you have no way of paying back. You have no assets to lose so better to deal with it than let it weigh on you any longer.
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