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....

Hi, Please help me...I need advice. I was unemployed for over 2 years and before that, I was diagnosed with bipolar disorder and gave power of attorney to my sister, so my bills would be paid on time, that was in 2007. Because of my illness, I could not pay bills or do other normal, every day things, like talk on the phone or get mail. I am now better, have control of my finances back and found a job, but I am making a lot less money. I found out yesterday, that my sister let my student loans go in to default status, even though she has the money to pay them. I have no idea why she did this and she will not tell me the reason, but that doesn't matter...I just need help getting them out. My problem is...I only have about $50 extra dollars a month to pay them. I don't even know where to start to get them out of default status? I know the original lender was Sallie Mae, but they were sold to USA Funds at some point. Thankfully, none of my wages have been garnished, but I have only been working for 2 months. Can someone please advise me where to start? Also, I am a teacher and I now teach in a very poor, rural county. Do they still have the program where if you teach in one of these counties your loans will be forgiven? Thanks for any help....