My 1st question is: How to pay sears/citi Discover Card on line, is there a site for that? Thanks in advance for any answer. Another question I got... Alright, I'm 22 years old, I work full time, and make about $2,400 / month. My cost of living (only neccesities) are about $1,400 a month. I currently live in Nevada, and that's the state I acquired all of these debts..

When I was 18-22 I acquired about 5 credit cards (all cards have a balance of $1,500 or less), and 2 motorcycles (one is $10K, the other is about $5K (was 10, but paid half of it)). Last year, I tried running my own business, but couldn't upkeep the bills. It's been about a year since any of my acounts have seen a payment. All in all, I'd say I can afford $100 - $400 / month, and have about $25K in debt.

I am now recieving letters (as I expected) from these debt collection agency's. Two of them (for the motorcycles) are from the "Law Office of Curtis O Barnes", threatning law suits. They also repossed one of my bikes. They used to call me 16+ times a day on my cell, but I changed my number. I tried talking to them, but they were very rude, and demanded I come up with $10K and send it to them. They refused monthly payments (I don't have any of this recorded).

They explained it to me, that the dealership opened a Discover card type of account, and charged the bike on it. When I bought them, the dealer said it would be at 21% interest, but that I could re-finance in a year.

One of my friends works at a law office, and sent them a letter asking for more information on the account. I haven't seen anything about it, just more letters demanding I pay the full amount. The motorcycles are co-signed by my girlfriend, and now they're coming after her..

Where do I start? I have all the letters, from random companies, I don't know who to pay, how to pay, when to pay, or even how much. I heard about "debt consoldation" companies, but everyone I've talked to, says they're a scam? I've met with some companies, but I didn't like the vibe I got from them. They told me I should send letters of dispute to these companies, and try to act like I didn't purchase the items. I'm not trying to rip my creditors off, I just want what is fair, and I don't think I could lie in court..

I've been reading this forum for a while, but get confused with some of the terminology, (SOL, CD, etc). My main concern right now, is taking care of these bikes, so they stop bothering my girlfriend. I know my credit is destroyed, and I'm sure hers isn't fairing so well either. We'd like to buy a house eventually (in the next 5 years), and I know our credit will need to be better..

I feel like I have a million questions, and no concrete place to go to, to get honest answers. I've tried a few other sites, but the response I usually get is "you don't have a lot in debt, just try to pay it off"..

Some Basic Question I Have:.

If I pay these debts off, will our credit be "repaired" or are we forever stuck with this mistake?.

Are we ever going to be able to buy a car or home again?.

How do I know which creditor to pay, and how much to pay them?.

Am I really not allowed to make monthly payments on these accounts, do I really have to pay them in full all at once?.

Is there any way I can get them to stop calling my girlfriend, and only deal with me?.

Is it likely they will try to sue me / garnish my wages?.

Since they repossed one of my bikes, doesn't the sell value come off of what I owe?.

How do I get more information about the debt I owe?.

Any and all help, would be greatly appreciated...