I have a lot in charge offs from my divorce. I started paying on them this month since I finally paid off all of my ex wife’s debts this month.
Which would be viewed more favorably in an MBI? 1) My own debt repayment spreadsheet (including charge offs) which show repayment in less than 4 years? Including Credit card statements from the last six months showing that I have not added to the balances and have paid the amounts in my spreadsheet?
A debt management program from certified counselor that has repayment in 52 months?