Public Records on Credit Reports

Urbanmiracle

Brooklyn the planet...
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Brooklyn son
Ive tried to research and get answers but my options are exhausted. So I figured I'll ask my coli-brethen.

I know that public records stay on my credit report for 7 years paid or unpaid. My questions are

1) is there anyway to contact these people to set up a payment plan?

2) what happens if I dont pay anything on the debt?

Also I got some stuff that was "written off" or "charged off". Do I have to pay on those as well?

Thanks in advance. This credit stuff gives me a headache at times:shaq2:
 
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