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	<title>Comments on: Dear Scott, It&#8217;s been about 4 years I never paid any of my credit card bills and I didn&#8217;t had a job for a long while. I paid some companies who gave me a good settlement amount but I didn&#8217;t know that it doesnt help my credit score. My credit score is really bad. I cannot get a home equity loan of my house even it is all paid of. I inherited the house. I can&#8217;t file bankcruptcy because of my paid house. I really don&#8217;t know how much I owe now. I never saw my credit report. I receive several names of companies that bought my accounts. So, I never cannot keep track to all. If I consolidate, I am sure I will be in debts forever in my life. My salary is only $548.00 every two weeks. My life changed so much, and got much into trouble financially. Reading my situation, what do you think is the best thing I will do? I like the non-propit companies but who can lower my bills and consolidate it.</title>
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