If you had a credit score of 531 and $25,000 debt would you....?

  • Thread starter Thread starter Jon
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Jon

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Declare bankruptcy or pay the debt. I was out of work for a year, had to stop paying. I have a job now. One lawyer said it would be better for my credit if I declared, one said it would be better if I paid. Anyone have any ideas? How long would it take me to get my credit back up? I haven't paid on anything in a year but paid on time for 8 years straight before that...
 
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