Loans Guide answers:

Closing your bank account won’t solve the problem. Just force them to sue you. Closing the bank account does not get you out of the loan.

The only way out is to pay it off. As you’ve learned, getting another pay day loan is not the answer.

Look around the house. What can you sell? Any clothes that are in good condition? Electronics? Anything you can list on Craig’s List and Ebay. Donate blood plasma if you have to.

Do you have a flea market in your town? If so, are you crafty? Do you have the ability to make something you can sell. Is hubby a wood worker? Can he make things to sell?

Can you take on a weekend job? That added to the things you can sell will help chip away at the debt.

Hubby is not working. He’s going to have to start doing something. Spring is coming. Tell him to start putting up fliers and advertising that he will cut grass and do lawn work. Maybe he can’t work construction right now but landscaping companies should start cranking up soon. He needs to contact companies and see if he can get a job. He can contact the local day labor companies. Most of these don’t need skill workers – they need muscle. Maybe he can advertise as a rent a hubby. Do those little honey do things for folks who don’t have a hubby handy enough to do those little things. If he has too…tell Hubby to appy to every local pizza joint and start delivering pizzas. Hubby’s not working is not going to work any more. If he can’t do construction then he needs to get off his fanny and start doing something. And any 1 thing may not be enough. He may need to do every thing I’ve suggested. But unless he has a major illness that physically prevents him from working – he needs to start doing everything he can to contribute to the house hold income.

You don’t have a debt problem. You have an income problem. The only way that I see to get out of the trap is to cut your spending to the bare bones. The only time you see the inside of a restaurant is if you are working in it. Then you have to increase your income and get these loans paid off.

Good luck to you.

Loans Guide answers:

Have you tried pay day places around town?
Have you tried taking things to the pawn shop?
They will give you cash, about 1/3 of the value of things.
If you fail to return the cash, they keep the items.
Do you own your car title free of loans?
Does your town have car-title lending services?
Have you tried going to your bank and simply asking for a short term loan?

Also consider family.
Take anything of value to them and ask them for cash.
If you don’t return the cash, they keep the items.
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Loans Guide answers:

Your last paragraph is exactly what brainwashed liberals are taught. Keep repeating a lie, and eventually the entire weak-minded group will accept it as truth. Yawwwwn….

Loans Guide answers:

If you have a bad credit history still the loan market place is full of lenders who are ever willing to offer you a fresh loan. But you should be meeting some conditions laid down by the lenders. Loans for bad credit people are in fact easier to get then they were ever before, thanks mainly to cut-throat competition amongst the lenders. Lenders are giving loans to the bad credit people who have late payments, payment defaults, arrears, county court judgments or any credit problems. These loans are available for any purpose like home improvements, purchasing a new or used car of your choice, for wedding and holiday tour, debt consolidation or for paying child’s tuition fees.

Every lender in approving loans surely likes to see if the bad credit borrower has sufficient capacity to repay the loan in timely manner. If the borrower earns well, has regular bank balance, has been an employee for some years and has a convincing loan repayment plan in place, then the lenders do not usually hesitate much. So ensure that you have adequate repaying capacity before applying for a loan. Also, you should first check your credit report for any errors. If your credit score is too low then you would be charged a very high rate of interest. So it is advisable to first pay off some easy debts to improved credit score and then you should apply for loan at better rates.

Http://loan–house.blogspot.com/2008/03/bad-credit-loans.html

Loans Guide answers:

If you are looking for an unsecured loan you prob will have a hard time getting it from any legit lender.

A bank might issue a credit card, depending on your credit. But no bank is going to issue a unsecured loan to anyone one right now. Even in good times, getting an unsecured loan from a bank is virtually impossible.

All those pay day and related loans charge high rates of interest like Guido on the street corner in the bad part of town. Avoid Guido.

Loans Guide answers:

I would suggest that using any service offering anything associated with or involving Pay Day Loans is detrimental to your short, medium and long term financial stability.

Stay away from anyting involving Pay-Day Loans and Title Loans no matter how desperate you may think things are.

Loans Guide answers:

Is it wrong to prey upon financially strapped folks by trying to sell them stuff?

Type in google:

“poor credit loan rates”

Loans Guide answers:

Hello,
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Good luck!.

Loans Guide answers:

They are all scams. Besides the payday loans which are a very desperate option, you could try to increase your credit rating if that is possible. It takes 6 months to a year to do so if you can wait that long. If you can’t you can always borrow from family or friends. The thing is if you don’t pay it back then you are in deep trouble.

Loans Guide answers:

Check it out here. It’s an excellent site with some wonderful options for you. It will definitely help you. Have a look.

Http://loan-house.we.bs/unsecuredloans.html

Loans Guide answers:

Try your luck at here https://payday-advisor.com/?affid=4601

Loans Guide answers:

Check out prosper.com, it is exactly for that sort of thing and seems to be a better alternative to the payday and title loans

Loans Guide answers:

There are a bunch of them and they all overcharge on the interest rates. On a Friday night, however, you’re making life hard on us and yourself.

Loans Guide answers:

The reality is, as long as you have a loan currently outstanding it’s going to be almost impossible to take out another loan. Unless you can get your current lender to increase the amount of your loan, it’s going to be very difficult to find any other lender. And unfortunately most of the people who will post links to your question here are leading you to scam sites

Is there any way you could borrow money from friends or family and work out a payment plan that you put in writing? What do you have that you could either sell on Craigslist/Ebay or at a garage sale for cash or that you could pawn at a pawnshop? Can you ask your employer for a salary advance?

Loans Guide answers:

If someone tried to serve your friend a summons, then it is not BS that they are taking them to court to sue for the amount they borrowed, plus interest and fees for court etc.

Your friends options are to show up in court to plead their case or get some money together to pay off the payday lender or collection agency that is suing them.