I started with Gibson Trust 2 years ago. I had been getting sporadic "late" letters from my creditors, but always referred them back to Gibson. My husband and I recently decided it was time to buy a house... Image my shock at seeing my credit report - I couldn't even get a loan to buy a dog house - after paying Gibson $7,800.00 over the last 24 months, I now having nothing but a credit rating in the toilet and nothing in the bank to pay the creditors all that I thought they had been receiving up to that point.
So, what do I do? File bankruptcy and have to rebuild a credit rating over the next ten years before I'll be able to purchase a home of my own? Hire a lawyer that I can't afford? I'm 41... How do I start over? I'm so distraught that I have even thought of just ending it all... What's the point of anything if you can't even have the one thing that was promised to every American - a home of their own.
I just don't know where to turn -
Colleen
Menominee, Michigan
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