does any1 have credit problem? i mean i have never owned any debt b4 but the frigging collecting agency always sending me letters waring me tat i owes them 35000$. i really dont no wat to do now.its almost five years now, b4 i just ignored it but lately i was trying to set up an account with city bank, cant do it. i mean if i have tis kind of money i would not have to work my ass offf just trying to save enough money to go back to college. any 1 with the same situation or can help please let me know. thank you very much.