In my case, I have a debt resolution company. I pay them monthly and they manage settlements and pay them. Some of my debts have not reached settlement state, some of them have been settled. Three of these debts exceed $10k (still waiting for settlement), but they are within the scope of the company’s service. A personal emergency around 3.5 years ago forced me to have the situation I am in today. My recent payment history since then is flawless.
I want to make a point to DSCA that although i had my personal situation in the past, it is not an ongoing behavior and that I am working to make things better. I do not know what the outcome will be, but working on this response made me reflect that the steps I am taking keep my conscience at peace, regardless the outcome. I plan to send my response next week, after that, I’ve heard it takes them 1 month or 2 to reply with a response or granting the actual clearance. At this time, I honestly feel that I am buying myself time… because even though that I have a plan in place… the amount of delinquent accounts could be a deal breaker.
Words that come to mind: Hopelessness & Inevitable.