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Disk_Pusher · 05-30-2005, 10:06 PM

Dear NoSoup and greeneyes,

Thanks for doing this - I've been learning a lot by reading this thread. I've got a problem of my own making, and I'm not sure what to do, nor is my family (who has never had a credit problem in their life other than that they NEVER carry a balance...).

I had a cell phone through Sprint when I was 19. About 9 months ago, my financial situation came to be that I could not make payments on it anymore, nor could I afford the $200 terminate contract fee. I called Sprint, who told me to pay or... well, PAY. Well, I can't make money out of thin air, and my financial situation did not clear up within these 9 months. I found out today that $500 has gone to collections from Sprint.

What should I do next? How do I take care of this so that maybe, one day, I'll have a chance at getting a home/auto loan? My credit report now consists of one negative deliquent account, which looks miserable I know. Had I the resources to take care of this before it went to collections, I would have. I'm not going to bore you with why I couldn't - like they say, money problems are full of drama.

Thanks for your input.

05-30-2005, 10:06 PM	#272 (permalink)
Disk_Pusher Tilted Location: Fresno, soon to be Sacramento!	Dear NoSoup and greeneyes, Thanks for doing this - I've been learning a lot by reading this thread. I've got a problem of my own making, and I'm not sure what to do, nor is my family (who has never had a credit problem in their life other than that they NEVER carry a balance...). I had a cell phone through Sprint when I was 19. About 9 months ago, my financial situation came to be that I could not make payments on it anymore, nor could I afford the $200 terminate contract fee. I called Sprint, who told me to pay or... well, PAY. Well, I can't make money out of thin air, and my financial situation did not clear up within these 9 months. I found out today that $500 has gone to collections from Sprint. What should I do next? How do I take care of this so that maybe, one day, I'll have a chance at getting a home/auto loan? My credit report now consists of one negative deliquent account, which looks miserable I know. Had I the resources to take care of this before it went to collections, I would have. I'm not going to bore you with why I couldn't - like they say, money problems are full of drama. Thanks for your input. Last edited by Disk_Pusher; 05-30-2005 at 11:00 PM..