Gotta love those first posts:)
So. My name is Kelly, my credit rating is truly horrific and like a lot of people out there, I'm in debt. I'm lucky that I'm in debt to family members, I think, and not banks and other creditors. At least my family doesn't send me to collections agencies. It's my goal to pay them off and make enough money to move out for good. I've made several attempts at this but I think that until I take myself seriously, it won't happen. I think this website and forum…
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