[DeniseNTexas]

I don't have any current debt right now - no house or car payments, no credit cards, and I'm not behind on anything. However, I do have some old debt and credit issues on my credit reports.

I've read about credit and debt until my eyes are close to crossing but I can't figure out if I need to go ahead and start paying on those things, let them roll off, or what! I've read that once I start paying on them I'll be contacted by all the others wanting their money, too. But I simply can't pay them all at one time, not even if they were willing to take payments. And I don't want to make payments. I want to pay as many as I can in full.

Later this year I'll have a few thousand dollars that I could put toward those debts but I don't know the best way to handle it. The money won't be enough to pay ALL the old stuff but it could make a dent in it.

I also have a NEED to save some of the money.

Should I wait until I have the money then contact the people and try to pay them or what?

I appreciate your help. This is very confusing!