Yeah!!! Problem now is I’m in panic mode. I know it doesn’t make any sense because we are doing so much better money wise. When I get that last paycheck of the month there will be some left over after funding the BEF. Should I use that to start paying September’s bills that have already come in or should I use it toward our debt snowball? I’m leaning toward paying next month’s bills but know Dave would probably say that I’ve already budgeted those for September so I should pay it toward the snowball. Did anyone else go through this? Hope someone can give me some advice that will stop this panic. Thanks.

do debt validation letters to some small debts that were on my credit report (I believe all were small medical debts that weren’t a priority when DH wasn’t working) I want them off my credit report and to pay them if I owe them. Unfortunately, I don’t know what each of them are since they are with debt collectors – so I sent debt validation letters to all of them. I’ve received no response from two of them and one letter was returned as not a valid address.

Just wanted to touch base on what you all think would be the next step if they’re not responding? All three are still reporting them as delinquent (as recently as April) on my credit report. If I owe them, I want to pay them, and have the money set aside for them (they are the first in my debt snowball – and I feel really yucky about them until they are wiped out! Plus that money sitting there not going towards wiping them out is killing me!)

Do I dispute them all on the credit reports just to get them to respond? I feel weird doing that because I don’t know that I technically dispute them — but they’re obviously in touch with the credit bureaus so I’m wondering if that’s the only way to get a response?