How to pay off my debt?

Question

Okay, I just turned 18 in march of this year. When I was 17, I was working and was able to get a joint account at Wachovia with my boyfriend (now husband) with my HS Student ID. I was supposed to have overdraft protection on the account but, now I am stuck with having to pay $338. Firstly, who do I pay? The bank? This was almost a year ago. I am having to do this because when I went to open up a 2 year contract for two cell phones at AT&T, they wanted a deposit of $1,000! I have had a credit report done for free that I've seen on this website... and it says I have two negative accounts against me. One for $225 & one for $113 which equals the $338 that I need to pay. Can anyone give me any advice or help me understand this better? Thank you in advance.

Answer 1

Hi,

I can't write .....

if you don't mind read on below web address first,

hoply can give you way out.

wish you luck

Answer 2

You pay the billing company, unless it's gone to collections, then you pay whoever the collections agency is... you should have recieved bills for this. If not, call whoever it is you owe, ask them if the debts have gone to collections, if so, ask them who the collection agency is so you can pay them.

(If it's been a year, I'm pretty sure they're in collections by now)

Add:... who do you owe? the bank or the companies, like At&T? I'm confused (now I see why you are too! lol)... if you over drafted, then yes you owe the bank, if the bank covered your overdraft, you owe the companies/AT&T.

Answer 3

To pay off these outstanding debts you;ll need to go back to the firms to which you got them from....If they sold your debt they'll tell you whom you need to call to get the info needed on how to now pay them.  

With regards to the cell phone contracts - once your 2 neg accts are paid - ask them to give you a letter confirming that they are paid in full....with that - go back to AT&T ans try to negotiate somethng with them.....I can't promise that it will work but it is very much worth the try, as they are seeing (by your credit file) that you were neglegent in paying debts & you are considered a risk to them.  They are howver willing to take some risk with you since they did offer you a way of getting a contract with them.

Answer 4

Go back to the bank and pay it.  You have the right to "negotiate" and see if they will accept less.  They will.  But they may put in your credit that they didn't get paid in full. Don't leave without a receipt.