@universalhacker (usa): 

I have several medical conditions that have put me in the hole to the tune of $67000 along with loans in the past 15 yrs. Of course I have not been able to keep up with them. One good thing is that my credit score is 760(thanks to creditsmartspy). Not bad for those kind of unpaid bills. I have kept my mortgage, cars, and credit cards all current. Just not my medicals and loan debts.  I couldn’t take it anymore until I went online to find a way to get around it, I tried series of hackers who kept on milking me for money not until I decided to give it one more trial by using the services of CREDITSMARTSPY @ GMAIL DOT COM +1(305)-912-6941. He is competent.