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I have many creditors that have recently sent me notices to appear in court for nonpayment of my debt.I did not got to court as I didn't have any money to pay them at the time.
I own a condo and just recently started getting back on my feet fiancially. My husband has been unemployed for over 1 1/2 years. I am also on SSDI but starting to work again. I was very fortunate to be able to restructure my mortgage so it is now much more affortable for us. Although now I want to try to fix my credit and I am not sure that Bankruptcy would be the best option and I keep hearing debt consolidation is even worse on your credit score. We eventually want to be able to buy a house and move out of our too small condo. How long does it take to be credit worthy enough to buy a house after Bankrutcy?