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.

Is there Debt Consolidation company that handles Payday loans and other debts?

Here’s what I have:

$1000 payday loan debt
$2000 debt to college
$567 credit card debt

Yeah, I’m not too proud of all that, but is there a debt consolidation company which can handle all of these categories of debt? I’ve only been able to find ones which handle only one type but not all three.

Is there a personal loan/debt consolidation for bad credit site?

Where I can talk to a live person prior to applying? I have bad credit and want to get rid of my debts and start fresh. There is no regular bank that would approve me and all I’ve found online are automatic loan sharks that only offer payday advances, and that is not what I’m looking for.

Is there a site where I can speak to a live agent so I can explain exactly what I need prior to applying?

Can I revoke Authorization on payday loan debits?

Thru the bank? Or do I have to actually close my account??

I’m in the process of putting them into a debt consolidation program and need to know the best way to prevent them from both being debited from my account and being paid thru the program.

I would really hate to have to close my bank account. That just feels shady.

Who can I turn to for a consolidation loan with less than perfect credit?

I have several credit cards and a couple of payday loans that I’m trying to clear up quickly. The 360.00 a month in fees for the payday loans is more than I can handle. If I could get a consolidation loan to get out from under some of this debt it would be a tremendous relief. My credit is not great but it’s not bad either. I do have a lot of debt which I am managing to pay every month but with nothing let over. One other thing, I have no collateral for a large loan. I would be willing to have the loan amount debited from my account every payday. Any advice would be greatly appreciated.

i am working with an consolidation program with my payday loans is this something i can work out on my own?

i have 3 payday loans and can not afford to pay them all right now

payday loans…question on payday loan default.?

my husband had a payday loan in his name only. he did not pay it/closed the bank account. we got a new bank account. they are after him now for the debt. it is 2 times as much now with all the interest. can they garnish wages and freeze accounts? we are in PA. they are not willing to accept what we offered…50/month.

thanks.

Looking for loan shark in Pittsburgh, PA area?

I am 23 years old and making nearly $3,200.00 per month spendable cash. I have been paying on all of my credit cards now for two years and getting NOWHERE! I have $19,000.00 in credit card debt which I want to pay off in one day. If I borrorw say $25,000.00 from a shark I can repay it, within one year plus at ANY interest rate, even 50% at this rate. I just want to pay my bills. If you can help me, we can talk more in private and consider my options. I don’t want any payday loans or any bull like that. I want a striahgt up loan, get the money in the bank, pay ALL of my outstanding debt (I have no current available credit) and I will pay ahead on all of my bills then start paying back the loan. SERIOUS only please. BILL
Credit Profile

Percentage of credit currently available 0%

Satisfactory accounts 16

Now delinquent/derogatory accounts 0

Was delinquent/derogatory accounts 6

Public records 0

Number of inquiries 59

Debt Profile

Real Estate debt (mortgages) $0

Revolving debt (bank and retail cards) $7,693

Installment debt (fixed payment loans) $2,620

Other debt $0

Collection debt $7,657

Your Approximate Total Debt $17,970

Can Payday Loan companies in missouri turn you over to the county prosecuter?

My boyfriend had taken out a payday loan when his grandfather was in the hospital and he was off for three weeks. When it came time to pay he had nothing. Before he knew it he was back on the road working. We are trying to pay them off and since he was not here I went in and tried to make a payment arrangement. When he left out this time I gave him a money order to drop off and he forgot. After two weeks the women finally calls me and says “YOU signed an agreement to pay and if I dont have 75.00 in here on friday I am sending it to the PA” How is that. Can you really prosecute a check that you knew was bad when you took it???????????????????? I mean god we are trying, at least we are giving something you know

How can i apply for a loan online through checking account thats real and i can get it in 1-hour until next pa?

until my next payday

how can i apply for a loan online through checking account thats real and i can get it in 1-hour until next pa

until my next payday

Is it true that it is against the law to have more than one payday loan?

I have two payday loans that equal to 1100.00 and I had gotten into some financial problem every sense I lost my job. So, I was thinking about placing my two payday loans onto my bill consolidation program.Alone with my other past due bills. Can I do that?And is what I want to do with the payday loans legal? I am not about to break any laws am I?

I need to know a debt consolidation company for payday loans?

I need to pay these check advance places but I need help. Do anyone know of a debt consoldation company that will do this?

Is there any help for people who have payday loans. Like a company that consolidates them? Or any advice?

Regular debt consolidation companies don’t handle payday loan consolidation b/c it is different from credit card debt. Any advice on paying these back?

Debt consolidation for payday loans?

Does anyone know a debt consolidation place that accepts defaulted payday loans? I have $2200 in payday loans and they are almost 3 months behind. they are threatening all kinds of legal crap, and i dont know what to do. I dont have the money to pay them back, this wasnt intentional but it happened. help.

debt or bill consolidation for payday loans?

any companies out there that will pay off payday loans under debt consolidation program

Can I consolidate my payday loans?

I know I’m a complete idiot for even getting one, but now i have 7 payday loans and I want to get rid of them all. Should I use a consolidation company like Destination Debt Solutions? I’ve tried getting a personal loan, but I’ve been declined on all of them and I don’t have enough in my 401k to borrow to pay them all off. Can anyone give me any good advice? I’m really desperate in getting them and I know I’m an idiot, so please advice only.
Please no other offers. I just want peoples advice.

Debt consolidation?

Okay, I did something dumb and got into some cash problems. Took out a couple payday loans and I have racked my credit cards up. Can you consolidate all your loans and bills and stuff into one payment. How good of an idea is this. Anyone ever done and who did you go through. I wish I could just make one payment. Can I stop these loan companies from just debiting my account????I need help asap?????

Debt consolidation for collection accounts?

Can you seek consolidation if you only have collections in your history? Thats the only thing that’s hurting my credit. I don’t have any credit card debt or repo’s or anything like that. I have alot of payday loans that went into default and they’re on my credit. Also once you go into default with a loan company and then pay them off are you elgible to reloan with them? I’d also like to know how to obtain my chexsystems report.

bill consolidation company?

is there one bill consolidation by name that has actually combined payday loans, or government agency that will help like they are doing for sub-prime lenders, please no web sites, a actual name and phone number

PayDay Loans have buried me!?

Ok, so I was very stupid to start taking these loans in the first place. The first one was ok, it was through a reputable company, and for a $500 loan, I ended up paying $600. Not bad. But then I started taking out loans through these on-line places. Between my wife and I, we have 7 out and are paying almost $1000 a month. For some of them I’m paying $90 every two weeks, and that has’nt touched the principal yet. Does anyone have any suggestions as to how I can out from these ASAP. I’ve thought about debt consolidation. I tried to get a personal loan from my bank to pay the payday loans off, but I was denied. Anyone who has been in similair circumstances and has some advice, it would be very much appreciated. Thank you.
I think these companies are complete rip-offs, but I still borrowed the money, therefore…I am going to pay it back. I think closing my bank account is a cowards way out, I got myself into this, I found them, they did’nt find me. I defaulted on one because they had my paydays wrong and tried to withdraw two days early. Well they called me and have set up some more acceptable payment plans. If I can’t find a decent consolidation plan, I think that may be the best bet.