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I was in an auto accident in 1994. After which I was unable to work and had huge medical bills. I did not know it was bad so I charged alot of medical bills and living expenses on credit cards thinking that I would go back to work soon and be able to pay it off.

Well I was never able to go back to work. And these debts were written off in 1995.

I applied for disbility and appealed, etc and it was finally approved and I will soon be getting a retro active payment. I will be able to settle on most of these debts.

Is it worth it for me to settle on these debts or should I just let it fall off my credit report next year. I would like to do the right thing but I don't want to be penalized by starting over the debts time period on my credit report.

The state of limitations ran out four years ago so they could not collect on them any way.

I just need to know if it is worth it for me to settle now that I finally can afford to.


a disabled fool
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