My EX husband and I got my credit into trouble about 4 years ago. I now have about 4 accounts in collections and a bunch of charge offs, all with about 3 years until they fall off my credit report. I have come into a lump sum of money recently and planned to pay them all off. Upon investigation, that might not be my best option. My concern is why pay them off if they will not make my credit better (or come off my report). Also, will it start the clock all over again? I am no longer worried about any of the companies suing me due to the statute of limitations being 3 years in SC, although, now I live in AL? I'm afraid to even contact these companies due to them being off my credit soon enough.... I've also though about talking to a professional, but, I'm not sure what kind of company to use? Any advice is appreciated!
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