Information about criminal convictions has no time limit. Default information concerning U.S. Government insured or guaranteed student loans can be reported for seven years after certain guarantor actions. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Deal with debt so your financial situation doesn't go from bad to worse. If you have a financial crisis the first thing to recognize is that you are not alone.
Most people face something similar in their lives.
This means getting control of your financial situation so you can make intelligent decisions to make progress. First step is to develop a budget. The public library has information about budgeting and money management techniques. Low cost budget counseling services can also help you analyze your income and expenses and develop a budget and spending plan. Check the yellow pages or inquire at your local bank.