I have been searching for discussion boards where I can log on and communicate with other people who are or have been in the same financial situation that I am currently in. I have found that in the forums at Debt Consolidation Care. It's one of two forums I currently use to ask questions and receive answers back from folks who have actually had experience in that subject.
Anyone working on repair the credit? Do you have collection accounts? Did you know that you can write a 'Pay to Delete' letter to your creditors? A agreement that once you pay off your debt that the creditor will remove all notation of delinquency and change the account to paid , no late payments.
I recommend trying out your questions at this site. You'll be amazed by the practical solutions you can get from regular folks who have been there and done that.