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One loan with a $20,000 balance. Is there anyway to reduce that? Any suggestions or info would be greatly ap.. My hubby has over $40,000 of debt that is not dischargeable in BK and we are trying to pay on it, but it’s been difficult and our payments really don’t even make a dent in the balance owed..When a the person calls in regards to the free counseling shouldn't they identify themselves as being affliliated with debtconsolidated care without me asking. So what? Your credit is trashed either way. I feel so lost, I don't know what to do. I'm being very cautious and I just received a phone call and he didn't.... Creditor calls come in waves it seems.. Request you to help - "Im a 23 year old college student. Is this true? Also if they do stay on from the last date of payment for 7 years, what if I pay them and something that will fall off in 3 years will now be 7 years-should I still pay it? Will my credit score go up a little if they are payed and still on the report vs.. I took a summer internship a few years ago that made me travel all over the country on my own dime, which should have been a clue right there. Today I offered $3,000 as a lump sum, payable immediately, but they were unwilling to budge, and the counselor alluded to my credit report scores being too. I was thinking chevy 2010 equinox, as we have 2 kids and it would be easier and justified (getting in and out): Questi. I want to get them payed off and off of my credit report, but I was told that since they