A year or so ago I had been going through the motions of living check to check and trying to paymy bills but not having any extra, and having small financial setbacks affect me in a big way.

Got tired of late fees, collectors, and being broke. I just said fuck it and stopped paying everything but my major expenses...mortgage, car note, etc

Letters came...straight to the trash

Calls came...ignored every number I didn't recognize

Settlement letters came...I paid off one or two if the balance and terms were reasonable.

But the most important thing is that I felt like I unplugged from the matrix and the sky didn't cave in. Still have my house, and my cars, and money in my pocket.

Now, I understand that my credit is probably trash and a small part of me wants to fix it.

So.....where do I start? Any advice for this black scourge of society?