If I get a subscription of better home and garden magazine, I have to pay $ 20 monthly, or ones a year?? or what ?
If you go to home and garden magazine website to subscribe, it states there that $20 is the payment for 36 issues/copies (equivalent to $3 years).
a few things you can try....you can try Bankruptcy, but like others have already told you it will depend on what you own and how much money you earn.......another way is to ride it out and wait the 7 years of limitation before it's erased off your report.....7 years begins from the date of last payment made.....another way you can try to get it down is borrow 50 g from your aunt Rose and call each and every creditor and ask to settle for 10 cents on the dollar but not more then 33 cents on the dollars...this way will work but make sure you have the money to pay them after you agree to a settlement amount. The smaller the amount owed the higher % a creditor will want from you and the longer it has not been paid will effect how much they will settle for. Make sure you get a letter of settlement agreement with company letterhead and authorized signature.......oh one more thing......wait 4 years after all is settled before being given credit!
