Need Serious Help with DEBT

[firenze]

@hashhab

Assalamualikum,

I need advice on how to solve my prob. I was a student living in the US (went there for college) and was careful with my money. As I got closer to graduation I leaned towards going back home and not staying in the US and working. This decision led me to making a stupid mistake of going crazy with my spending. I ended up using a lot of money on my credit cards. It was a crazy decision and I regret it sincerely.

While on a visit to the US, I got a hold of my credit reports and it shows that I have in excess of 8K while my estimate is that it is closer to 5K. I do have the money to pay back what I used (I would like to stay away from interest for religious reasons, Yes I know what I did was wrong. I am trying to correct it now may Allah forgive me. aameen)

I have no friends that I can turn to in the US in this matter (none that I would trust to such a degree and the relatives I have I would rather not turn to them either for this purpose)

I want to know

• How do I go abt finding out what the actual amount is that I owe them (not the charged off amount which includes interest) ?

• How do I make one payment and get it over with?

• Although I do not see myself returning to the US in the near future it might be a possibility should I care abt my credit score?

• Is my approach religiously right (I know it was religiously wrong of me to use that money ) but I would like to die without owing anyone anything.

All advice and help would be greatly appreciated. Thanks in advance. and May Allah guide us to do the right things at all times. aamen.

What is the problem when you have the money to pay back? You have access to internet and have a valid credit card right?

Go to Citi(R) IdentityMonitor(R) | Credit Monitoring and Monitoring of Identity Theft & buy your report for 13$ .. they will also provide with phone no’s to you creditors. Call them up, and transfer the money from your local bank in Pakistan to their accounts. Simple !