Charge off's

[yankeegirl]

Hi,

 

I have been unemployed for 2 1/2 years, due to an illness and the economy. I gave power of attorney over to my sister in 2007, because I could not handle paying my bills. I am now employed and have control over my finances again. However, I just found out yesterday, that my sister, who is an accountant, totally screwed me over. I had a credit report pulled and I had 2 credit cards, one Chase and one American Express and both were "charged off". The total owed for both cards were about $5000.00. The guy at the credit union I was speaking with told me that I could never be approved for ANY type of loan with those account being charged off, so how do I get them current again, without having to pay a lot of money each month? I am a teacher and only get paid 10 months a year...but the job that I took is away from my house, so I had to rent a place here. So, I have a mortgage, rent, 2 electric bills, 2 water bills, well, and the wonderful state I live in cut teacher's salaries, so I took a $7,000 hit from them and then an additional $4000 hit because the county I teach in is so poor that they do not have the money to pay teacher's an additional stipend.

 

Please help....