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and also.... with that last thread.... the car loan was never sent to court just charged off... only the school ($2000) and the Apartment ($7000) have a judgement started against me.....

I am some serious need of advice.... I am young...21 years old. I went through a very irresponsible phase a few years back and lost my job and had a very hard time making payments on any of my bills. Now, I am in a relationship getting ready to move into a new house (purchsed only in my...