Hello! I have some credit concerns. Im 20 in NJ and I have very bad credit. This is due to when i was younger my mom would use my social security number for accounts and didnt pay them off. So now that Im older, i have much debt i cant get off and Im going to pay for. Does anyone know how to get this off? Should I file for bankruptcy? How will that affect my life since Im so young? Thank you for your help!
To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation with an experienced bankruptcy attorney.
It really depends on how much and if you can honestly get out from under on your own within a year or so. Also remember it is on your credit for seven to ten years. Costs around 2500 plus filing fees.
It will depend on many factors. Speak to an attorney.
