I have so many financial problems right now along with credit problems which is in direct relation. I cant seem to get my head above the water no matter how hard I try. My credit is horrible or otherwise I would just go grab a credit card to pay of my horrible amount of past due bills. Which I know would be horrible but at least I could pull some shit out of collections. My paychecks seem to be gone 2 weeks before I get them. I normally dont bitch about this kinda stuff but I needed to vent, lol
You really fucked up by not declaring bankruptcy by last year. Now your best bet is probably CCCS, as you don't seem interested in taking an active role. Let them do it, then you make one payment a month to em.