Bo, my questions are related to small amounts of charged-off debt, so it's hard to find answers - everyone answers questions about $20,000 debts and bankruptcies and reposessions, but I need advice on my small situation.In 2005 I finally pulled my life together, but I had about $3000 of bad debt from the previous 3 years: 1 $800 credit card, 1 $1000 credit card, and 2 $500 credit cards. Some of