This is pretty difficult to type succinctly, but I
This is pretty difficult to type succinctly, but I will try. About 5 years ago, I stupidly used up a couple credit cards to the max (total of about $3600), and have been so embarrassed about it that I haven't really followed up on it. These cards have since been charged off. I'm wondering what the best course of action is. I recently got married last year, and we want to buy a house eventually, but we never will with this adversely hanging in the balance. Thank you!