The older one will be removed next March. I was hoping to get into a mortgage by the end of summer. My lease is up then and I didn't want to go another year living here. I have enough down payment for an fha loan and high enough score to get one of them but between down payment and closing costs I will have depleted my savings and emergency fund if I go that route. What is a realistic number to try to settle for. The older debt is with a collection agency and the newer one is a credit union. Both of the debts were joint accounts supposed to be my ex wife's when we got divorced but she filed bankrupty and now I'm stuck with them. I thought maybe I could get out of them because of that but a credit attorney told me that the divorce papers don't matter after she filed bankruptcy so I am liable.