Friday, January 27, 2012

I am 22 and I need help getting out of debt What do i do?!?!?

I have traffic tickets and parking tickets from when i was 18 for more then $2000. I owe Tmobile $800 from a cellphone i got when i was 18. I have something on my credit report saying i took out a mortgage for a house under my name when i was 14??? and now the government decided to throw a paper at me saying i owe them $3,000 for unemployment that i claimed but i really was not working. I am homeless, i live in my friends garage with no family in California. I have applied and applied for jobs and barely got a job at ChuckeCheese less then 20 hours a week on minimum wage. I cannot pay off this growing debt while supporting myself.... PLEASE HELPI am 22 and I need help getting out of debt What do i do?!?!?
If this is true, it breaks my heart! Where are your parents?

Ignoring it won't make it go away. You need to deal with each issue. First on the tickets, I have heard of people doing community service in lieu on $$. You need to go to the court and talk to them about that. For the mortgage, write each credit reporting agency, send a copy of you ID %26amp; Birthcertificate if you have it and explain that the mtg debt cannot possilby be yours, they will investigate. For the Unemployment, the EDD audits unemployment claims with the employer. There may have been an error. You should write a letter telling them that you were not working and were entitled to the money you received and ask them to verify the information.
The T-mobile is the ugly one. They have probably already written it off %26amp; sent it to collection. If that is the case, you won't be able to pay t-mobile you will have to deal the collection agency and they are jerks. Collection agencies buy debts from companies and then the companies write the loss off on their taxes. Collection agencies may have paid pennies on the dollar for the debt and you may be able to negotiate it down.
The economy is horrible right now and a lot of people are out of work, don't give up.
Good Luck!!!I am 22 and I need help getting out of debt What do i do?!?!?
first you write to the Credit Agencies and State that you are not the person responsible for that Mortgage since you were only 14 yrs of age. Get that removed

Start a house cleaning business. For the price of a bucket, pine sol and windex you can earn 15 an hour.

Visit Beauty Salons and put up posters. Wash Windows, clean gutters, do something and stop with the self pityI am 22 and I need help getting out of debt What do i do?!?!?
I'm not sure how filing for bankruptcy works.. but that could work for you.

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