Need help determining personal debt

Need help determining personal debt

missy_smarty_pants@yahoo.com (Paula)	5/7/2004 9:40:16 PM
I know I risk being flamed immediately for this question, but here it is: I'm unsure how much debt I owe, and I was wondering where I could go to find out (if there is such a service/place). I came through a long bout with clinical depression during which I did not keep track of finances (there wasn't much spending -- I wasn't employed). Most of the debt is from the time before this depression, but my record keeping went by the wayside during my long episode with depression. I'm trying to gather all the information I can here at home, but it's a mess -- quite literally -- and I was wondering if there was a way for me to get some help with this, somehow. I need to file for bankruptcy, soon. peace, paula



"Mark A"	5/10/2004 7:36:35 AM
"Paula" <missy_smarty_pants@yahoo.com> wrote in message news:qdeo909em40ka9ivhl0p66rrk58mnk0gjo@4ax.com... I know I risk being flamed immediately for this question, but here it is: I'm unsure how much debt I owe, and I was wondering where I could go to find out (if there is such a service/place). I came through a long bout with clinical depression during which I did not keep track of finances (there wasn't much spending -- I wasn't employed). Most of the debt is from the time before this depression, but my record keeping went by the wayside during my long episode with depression. I'm trying to gather all the information I can here at home, but it's a mess -- quite literally -- and I was wondering if there was a way for me to get some help with this, somehow. I need to file for bankruptcy, soon. peace, paula Obviously (?) the people to whom you owe money to can tell you how much you owe. One way to find out some of the creditors and possibly the amounts is to obtain a personal credit report. This is provided for free if you live in certain states, or for about $9 in most other states. It may be free in all states if: 1) you were denied credit, insurance or a job; or 2) you are on welfare or unemployed and looking for work; or 3) your report is inaccurate due to fraud Go here to find the price in your state and for phone numbers of who to call to get a credit report: http://www.bankrate.com/brm/news/cc/20010223c.asp#credit Keep in mind that not all debts may appear on your credit report.



"Liz"	5/10/2004 7:37:10 AM
"Paula" <missy_smarty_pants@yahoo.com> wrote in message news:qdeo909em40ka9ivhl0p66rrk58mnk0gjo@4ax.com... I know I risk being flamed immediately for this question, but here it is: I'm unsure how much debt I owe, and I was wondering where I could go to find out (if there is such a service/place). I came through a long bout with clinical depression during which I did not keep track of finances (there wasn't much spending -- I wasn't employed). Most of the debt is from the time before this depression, but my record keeping went by the wayside during my long episode with depression. I'm trying to gather all the information I can here at home, but it's a mess -- quite literally -- and I was wondering if there was a way for me to get some help with this, somehow. I need to file for bankruptcy, soon. Paula, You should be able to get what you need with a request for your credit report to Trans Union, Equifax and Experian, the three major credit reporting bureaus; I think for about $30-40 you can get all three reports (they are not always identical in content/coverage) or some "combo" deal; check http://www.myfico.com, for one ... but I also believe you can get one copy per year free by requesting it from each bureau .. paying might be faster if that's a consideration. Keep in mind the possibility that you might have other debts which you want discharged which were never reported to a credit agency just so you know, courts and bankruptcy lawyers are generally not too concerned with why you are filing

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