I have a debt since 10 years from a previous marriage. Does that effect my credit score or would it be beneficial for ma to go for credit counseling? Most of credits are taken from credit cards I had with my previous husband.
If you had paid off regularly then there is no need of credit counselling agency then you would be beneficial for you’re because debt is dead after the time period of 6 years and credit counseling agency is not liable to claim on you.
I needed debt counseling almost 10 years back, while I was not charged and most of all I found the counselor easy to talk with, well he provided a draft letter to adapt and given to my two creditors telling what I could afford every month. Therefore creditors cannot demand more than you can afford.