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Originally Posted by rod_1965
thanks again some of this debts are old so maybe i can get rid of them I will look and see maybe i can seek help with that so I dont have to file bankrupcy..update on representative question: thank you all for your responses I went to my SSA appointment today and I had a letter from my doctor..the lady said that was good enough so she said i dont need a payee im very happy but sad that I am now officially disabled..I wish i could work but at least I will be able to get the help I need thanks again for your support and the time you took to respond to my questions.
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Don't pay a cent to collection agencies. It's like throwing chum to sharks. Is it phone calls that are bothering you? Please pm me if you need some help dealing with this. This might be an example of getting help from your mom or a non profit legal center would be appropriate. I can't imagine a scenario where bankruptcy would make sense in your situation. You have rights, you just have to force the CAs to respect them.