Thanks man! Hopefully, once the car is paid off, I can get a lock on this. Only thing left will be the CC and with me able to devote pretty much half of my income there, it should go away rather quickly. I guess I just need to get off my butt and try and smooth things over with the creditor. I always have to learn the hard way. if you want, I can get you Amanda's Boss's number, he is a loan officer, but he really does overall financial planning, he might be able to help you out or give some guidance as to what to do, your a smart enough guy that I am sure you understand the basics, but he might be able to add some info, PM me if you want, he is not a credit specialists but he knows money and how to use it