Bad Credit Loans for Debt Consolidation?

Long Story Short, Back in 2008, I ended up paying off all of my credit debt and then ended up moving to another state to be with my girlfriend (moving to another state without another job lined up is a bad idea). After Maxing out all of my credit cards, being legally homeless for months on end and living out of a motel I finally made my way back home where my credit was destroyed. I am now trying to pick of the pieces but it has been difficult.

Tons of people always talk about how people with horrible credit can still get personal or debt consolidation loans. When when you look online all you see is spam or garbage. I’d like to get a personal loan so I can consolidate my bills and move out of my parent’s house. Does anyone know of any legit, useful places that provide a bad credit loan (not payday advances)?
All of my credit cards ended up going to collections. I am currently now making payments to those collectors. They all refused to let me make payments on my own; telling me that my word on paying wasn’t good enough and that I had to either allow automatic deductions or they’d simply garnish my wages. While I was able to get several down to 60% of the original debt, the only way they’d work with me was by setting up automatic payments. I am annoyed that I am trying to at least fix my credit and pay my debt and these people are being so frustrating.

Can anyone reommend a company offering an umbrella loan-credit card, payday,& mortage loans?

The last three months she got mired in debt through pay day loans and literally stopped paying because she was now losing money-she has a good income, but not enough to cover the losses-needs monthly totals reduced from $6,000.00/month to $2,000.00/month-BANKRUPTCY final option-does not want to use it yet-she can get smaller consolidation that doesn’t cover anything-making things worse with higher debt.
PROFESSIONAL VERIFIABLE SOURCES ONLY-IN HOUSTON, TX. Sorry Erivan, my lawyer could verify nothing of what you said.

I have multiple title loans in phoenix az, can i do a debt consolidation with it?

I took out a few tile loans in phoenix az at former payday loan centers, but i dont own the vehicle so the loan centers are basically the 2nd lien holders, but not officially documented as one on the tiltle, so would i still be able to do a debt consolidation or can they legally go after my vehicle?
The loan centers are aware that i do not own my car, in arizona payday loans are illegal now, so they allow you to take a title loan even if u dont own the vehicle. guess its some kind of loop hole.

i need to get a bad credit loan?

i am right now in a debt consolidation management program, but i need a small loan to do renovations in my apartment. i have tried getting a loan from the bank and citifinancial.com and have been denied by both because of the debt consolidation management program.

where can i go to get a small loan (and not a payday loan) with my situation
I didn’t purposely put myself in debt. My mother had major heart surgery, and I was paying all her bills and my bills, and resorted to using credit cards. my credit card debt isn’t huge, but it isn’t small either (it was 10k a year and a half ago). with the monthly payments i cut the bill in half. the only luxury i have in my cell, and its for emergency purposes only. besides her survivor’s benefits (which i don’t touch) i have my income. the apt is in need in repair and my super gives me broken promises, and the landlord doesn’t help either. I don’t even want a large loan; i’m talking about $1000, which i know i could pay back. between helping my mother with her bills, and my bills, my paycheck is nearly gone

If you could be a kid again, would you look up to adults your age?

When I was a kid, I looked up to adults. In my own life I did ok and didn’t think it was that hard to be successful.

Now that I’m in my 30′s, I am disgusted by most of my so called “peers” around me. I wouldn’t respect any adults today if I were a kid.

I turn on the TV and see most adults act worse than my fifth grade class.

There are so many businesses out there waiting to make money off adults for their own incompetence, everything from rehab to payday loans to debt consolidation.

And the biggest joke is that people think it’s okay to live at home after they get out of school, forever.

How would you teach a kid to respect their elders when their elders need grown up supervision?

Does anyone else here feel this way?
Yeah I agree I was taught to always respect elders, too.. and I will probably be saying Sir and Ma’am until I die, which is good.. however, those are titles I find hard to attribute to anyone my own age, especially when I just sit back and watch people in public.

Has anyone tried Cash tree lenders? The pay day loan company?

How are they? I just need 300 dollars this month and I will pay it off in full next month when I get my check. I’ve heard so many horror stories about payday loans and I want it to be as cut and dry as possible. The most I would be involved with the company is a month to receive funds and pay it immediately back.

Payday loan ..is it possible to get more then $1000?

most of these payday loans limited to $1000 and some direct lenders can give up to $1500.is there any payday loan company that provide more?

I want a loan and not a payday loan and I have bad credit.?

I don’t want a site that finds me a lender I want to work with an acutal lender.

Does anyone know a lender who does personal unsecured loans for bad credit that is not a payday loan.?

How do I find a loan shark?

I am desperate for a personal loan for some significant legal fees for my husband’s custody case. We both have extremely poor credit, and the timeline is too small to have time to save up. My husband would just like to get a loan through a “shark,” but not a payday loan – like a personal lender. Any LEGIT suggestions welcome. Our credit scores are too low for prosper.com.

Is there any pay day loan shops or are all pay day loans online?

Hey i need a loan but all online payday loans wont go through till money day because of banks transfer times or somthing, can you get pay day shops though? If so what are they? Thanks.

online payday loans?

Im wondering if anyone has taken out a payday loan online. i lost my job a few months ago and now im back to work but catching up on bills has left me with little money for xmas. i am expecting a large some of money to come my way at the end of january but i dont have very good credit and i cant bring my self to ask family for help.
i prefer you not judge me im trying to be a good mom and give my son a decent xmas. this seems like a reasonable option. i already know that the interest is insane and i am ok with that.
im just looking for a company that has been used before and i can feel safe giving my information to.
thank you in advance

Where can i find a good payday loan online ?

Were can I find an online payday loan ?

Payday Loans?

I was wondering if anyone knew a legit site that offers online payday loans? Most of the ones I have found say something to the effect of “we will match you with possible lenders” but then they are all stupid prepaid credit cards and things like that. Please spare me the lecture on how bad it is to get a payday loan and how high the interest rates are etc. That’s not the question i’m asking. I already know all that just looking for a quick way to pay my light bill to keep from getting shut off. So if anyone knows of a site or has actually used one please let me know. Thanks!

Online Payday loans. I closed my account…what will happen now?

I had several online payday loans. They would just take payments from my checking account. I became overwhelmed with all of them, so i closed my checking account so that they could no longer take money from it. I was hoping i could arrange some sort of payment plan with them. Does anyone know what is going to happen? They are leaveing VERY threatening messages on my phone. Saying that i am under fraud investigation and that i need to get a lawyer! Any advice would be appreciated!

need help about a payday loan?

i got a payday loan couple months ago from a cash store i havent really gotten things in the mail to tell them to pay me back but havent taken it out of my account yat, will i have to go to court if i dont pay it back? its $200 something

can i get an loan online (check into cash) and then pay it back at local store?

i want to take out 3 loan from 3 different payday loan companies, online would be quicker and i hear its cheaper, can i take out 3 payday loans online and then pay them at the local payday companies?

Can I be arrested for defaulting on some payday loans? What kind of trouble can I be in?

I currently have 3 outstanding payday loans(in store services). I got into a jam and I have an outstanding balance on all 3. I partially paid back one but they keep debiting my account and I keep getting penalized from my bank for all types of fees. I also know the interest is racking up on all 3 loans. All the loans are less than $1000 and one is below $500. I am doing my best to make the money to pay them back along with all the fees but right now I am just having some tough times. What kind of trouble am I in here? Can I be arrested for this? I know this was one of the dumbest things I have ever done and I will never deal with any payday loan companies again once I take care of this. No sarcastic answers please we all go through hard times.

Poor Credit – Where can I turn for a semi-reasonable interest rate (< 100% APR) on an unsecured loan?

I have about $2,500 in debt. about $1,400 of that is to payday loan stores which are charging me through the nose in interest. I’m paying around $500 a month in interest. I could probably pay everything off and be debt free in 6-8 months if I could just get a reasonable interest rate. The problem is that my credit sucks and I don’t own anything that could be used as collateral. Are there any banks or other lenders who might give me a loan at a rate less than 100% apr?

Do you have any other suggestions to get out this mess?

Payday Loan would not accept check?

My bank changed hands recently and everybody was sent new credit/debit cards. We were told to continue using our old checks as usual. I had a payday loan out w/Advance America and was told by the store that they could not accept my checks anymore due to the bank changing hands. The store manager asked me to bring back counter checks or some other check that had the new banks name on it. The branch Mgr clld the store and was given the same run around w/no explaniations or name of the person Advance spoke w/at the bank. Has anyone else gone through this w/Advance America?
Keep in mind we were advised to continue using out old checks, the bank is not issueing new checks! So taking the money out and paying it off is not answering my questions. As asked please let me know if anyone else has had this problem. Thanks!
OMGosh, I”m not looking to take out a new loan, I’m asking if anyone experienced this same situtation where the bank changed hands and a vendor would not accept your check that per your bank was advised to cont using? I’m looking for a new loan!! Has anyone had this problem w/thier bank or a vendor?
OMGosh, I”m not looking to take out a new loan, I’m asking if anyone experienced this same situtation where the bank changed hands and a vendor would not accept your check that per your bank was advised to cont using? I’m NOT looking for a new loan!! Has anyone had this problem w/thier bank or a vendor?

Does anyone know of a direct lender for online payday loans?

One with no credit checks. I can’t find direct lenders. All of them so far have been wishy washy.

Payday interest too much….?

I had to take out $2500 in payday loans to pay some emergency medical bills. The interest alone is going to cost me $550 each pay period (twice a month). I know all of the horror stories of taking these out, but I had no one else to get a loan from. I looked up several companies that say they can negotiate with the payday loan lenders, just like when you consolidate credit cards. I was wondering if anyone had ever heard of or knew anyone that had done business with PDL Assistance or Langhorne Debt Solutions. PDL Assistance told me that I could have these paid off in 10 months with a $230/month payment. They will email me the contract and I have to send them the form back that authorizes them to talk to my 3 lenders to negotiate the loans. They will also send me a form to take to my bank that will stop the 3 lenders from withdrawing any further debits from my account. They did not tell me to close my account. Any suggestions?

when a lender tells you that you need a voided personal check to get a payday loan how do you get it?

I have never had a payday loan before and I was wondering do I go by a check from the store and write void on it or do I have to stamp it or what do i have to do because I have no Idea.

Where can I find a “hard money” lender for a personal unsecured loan, without being a payday loan. Need $4k.

are big banks behind the proliferation of payday lenders?

payday lenders do not report to credit bureaus, big banks can keep you trapped in the turn down cycle, while still making money off you without approving you for a traditional loan, is this not a violation of the ecoa act of 1974?