question about consolidation……?

Okay, I made some bad decisions and took out a couple payday loans, they are killing my paycheck each month. And, I have some high credit card bills because of my husbands illness. Before he got onto health insurance we were paying for his insulin (expensive) plus we have a 1 and 2 year old in daycare and diapers. So, I just wonder about debt conslidation. has anyone used it…? Does it really work….? Is is a good idea?

Auto loan for debt consolidation?

I have less than perfect credit, and I was wondering if I could apply for an auto loan in order to consolidate and pay off all my payday loan debt of about $5000? Ive tried getting personal loans but I can’t get approved anywhere, and I need a solution fast because all my payments are about to be due.

I need financial help/advice! PLEASE ?

okay so currently i am at a stand still financially. its kind of worrying me because i can barley make ends meet and i have no other financial support from anyone else. even financial advice for that matter. the only person i can turn to is my other half, however my other half if currently unemployed so that kind of makes matters a little worse, but its so hard to find him a job, we’ve like put it over 100 applications all over and no luck so far, but heres the thing. here is the question id like to ask and get SERIOUS advice and help with. I am 19 and I am in debt. not 10k debt, id say around 3k or so. out of everything, i believe what is hurting me most is the numerous payday loans i have out there that i have made to try and have extra cash in my pocket. what is hurting me every 2 weeks i get paid is renuing them, and i want to get out of them so badly so i could pay other things that i owe with my check and at least for once in these 5 hectic months have something to last me off of my check till the next check for like gas, food and such. i want to know what would be the best method in getting out of all these loans and start getting down to business. also if someone would happen to know where i would be able to make a debt consolidation loan or some kind of loan that would help someone like me out, esp with the fact that i am from louisiana and the economy sucks out here. i tried onemain financial however i couldnt b/c i needed a co signer and i dont have that. i want to try to find some kind of place that would let me borrow like 2k to get out of some of this debt.

my payday loans are as follows
a. 60.00—borrowed 50
b. 190.00—borrowed 150
c. 280.00—borrowed 225
d. 345.00—borrowed 290
e. 305.00—borrowed 250

i am not sure of the interest rate on these loans but every two weeks when i renew them, the “fee” i pay to get what i borrowed back is

a. 10.00
b. 40.00
c. 55.00
d. 55.00
e. 55.00

other debts are 411.00 overdraft in one bank accnt, abt 400 owed to a credit card that i havent been paying on because i couldnt afford it. i also had to let my insurance lapse because i couldnt afford to pay it and that is 447 i owe to them and i guess on top of that what i will have to pay also to the dmv and that is about it. i need help of advice if possible. the reason why i believe i got into all this mess is because a while back i was trying to help someone and a loan that i had weeks before that and didnt pay back went to my accnt and took all my check and from then on i basically had to make loans every so often to keep money in my pocket. also on average i make 80 hrs a week at my job and get paid 9.50. i hope this helps the people that are reading this and are interested in my story. thank you for your support.
im sorry// correction….i make 80 hrs every 2 weeks (40/per week)
@talk turkey : i made a correction; is it possible you could revise your answer since that particular info i provided wasnt correct
@ tony p : unfortunatlly my better half has a few mental disabilities that refrains him frm working in public however we have put in overtime to find something suitable for him so that he can help out because he reallllly wants too. im in a bad situation i guess that i regret ever getting myself into. i wish i want so naieve to money savings and everything. i feel like im going to be stuck forever. then on top of that i have school coming up in the spring and i have to juggle all of this!. my life is a living hell

Thank you all for your answers to my questions.?

So, what you guys are saying is that I can place the two payday loans that I have on my bill consolidation? Oh, with all my medical bills and my other bills I owe a total of around 5,000.00. And to the person who said that I should get a job and pay my bills. I have a job where I have been employed for serval years I just had got hurt and I was off of work for awhile and couldn’t pay all my bills that’s all. I had gotten the two payday loans before I had got hurt.

What credit card do I have a chance of getting with bad credit?

my credit score on experian is 524, I am looking for a credit card with low or no initial fees or yearly fees but I can have a high interest rate because I plan on paying it off each month to build up my credit. does anyone know a card that would be most likley to approve me with this criteria?

I was pre approved for first premier bank card but with all the fees it ended up being 250 – 300 debt before I would even spend a penny on the card. and thats before eve n knowing the balance.

im not looking to go into more debt, Ive been paying off debt I had from 8 years ago, for about a year now on a debt consolidation plan. for some reason it didn’t start showing i was paying current till january, even though I have been paying on the card since july. I contested the charges of being late paying and even called my debt consolidation organization to see what they can do about it. my credit score SHOULD NOT BE AS LOW AS IT IS!

the reason I want the credit card incase you are wondering, is I have to get a rental car and all rentals require a credit card. also we are short about $200 for our vacation because we didn’t budget having to get a rental. we are going to ride down with a friend to san antonio but now she has decided not to take her car. she doesn’t have good credit either. about as good as mine. so I cant have her get a rental.

this is why I cant get a prepaid card right now, I know they build on credit, I would like to get one, but you have to put money upfront and my money is going to be tight until half way through our vacation on the third when my hubbie gets paid.

then well have more than enough to pay off the the credit card

dont want to be condsidering pawning or payday loans because the interest is so high even when you pay on time unlike a credit card

and for any one who wants to be captain obvious and say shouldn’t of had bad credit to begin with and you wouldn’t be i this mess…you are preaching to the choir. i ought to have know better but have since learned my lesson and am diffinalty paying for it

for an entire year now I have been paying 400 a month toward old credit card. whats your smart butt remark compared to that?

wow, I said alot, hope this explains everything. only looking for credit card solutions at this point, if you dont have3 any, dont answer.

thanks
lol, im not a dude, I realized im on his account, but im a girl. rolf

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 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!

Does anyone know of a reputable private individual or loan agent that offers unsecured personal loans?

I’ve maxed out on payday loans and now I’m up to fees up to my eyeballs. My credit is so bad I don’t qualify for the more popular peer to peer loan sites. I’m looking for someone who will does personal loans based on ability to pay and not credit score. It can be a small bank or it can be a private individual that offers loans. Lenders are welcome to contact me. I have a full time retail job and need a relatively small amount. Not looking to pay all my debts, just the most pressing ones.

Where can i get a perosonal loan bad credit no payday loans!?

NO PAYDAY LOANS, NO AMERICAN GENERAL, I RENT NO HOMEOWNERSHIP AND NO PERSONAL LENDERS FROM OUTSIDE THE CUNTRY WHO WANT MONEY UPFRONT(SCAMMERS) CAN ANYONE HELP? BANCRUPTCY 2 YEARS OLD PAID OFF ALL I COULD WITH MY OWN MONEY AND WOULD LIKE TO HAVE JUST ONE SOLID BILL TO PAY MONTHLY! I NEED $3,000.00 ASAP HARDWORKER BEEN O JOB 6 YEARS SINGLE MOTHER OF TWO! NEED HELP!

Is it possible to get multiple car title loans?

I know this isn’t the best way to go about this. I have been analyzing my situation for a long time now and if this isn’t too risky this is what I would like to do. I want to get a car title loan, but because of the spot I’m in, I was wondering if it is possible to get a second title loan as well from another lender? I know that a person can have multiple payday loan lenders so it is the same for title loans?

Any credit counseling services that deal with payday loans?

I’m planning on going through a consumer credit counseling agency to get help with my overburdening debt. However, two that I checked into will not, or cannot, work with payday lenders. Are there any out there that will?

internet payday loans?

can payday loan lenders continue to charge you interest on the loan once you have defaulted on the loan and it has gone into collections.

Does anyone know of any online installment loans for people with less than perfect credit?

I am looking for more of a debt consolidation loan, not a payday loan. Any informed info would be appreciated. Thanks!

Where can I find a debt consolidation loan w/ bad credit for about 10,000 dollars?

I need to wipe out everything quickly and show a good payment history. The debts are too old to get a traditonal bank loan. I have thought about the the online cash advance payday high intrest loans b/c I am more lkely to get approved . I am beginning to think it is worth it so that can repay an old debt to my college so I can graduate, finally obtain a regular loan to secure a home loan instead of paying out high rent as a single parent of three. Where can I get this sort of loan and do the ways out weigh the means in my case.

What is the quickest way to payoff payday loans?

Other than not taking them out in the first place, what can I do to pay off some payday loans that I did when we hit a money slump…We are slowly getting back on tract otherwise (budgeting mortgage payments weekly, working with debt consolidation) but now these are hanging over our heads!

Should I get a loan to pay off the collections agencies?

Should debt consolidation loans be taken to pay off collections agencies, or should they only be used for paying off credit cards? I have debt of about 10,000 from medical bills and payday advances among other things. I want to pay off all my debts so my credit can start recovering.

horrible credit installment loan in canada?

need to get an installment loan in alberta canada.. unfortunately i have some money issues and because i really screwed up my credit when i was younger and i need to get a consolidation loan or installment personal loan to get it all caught up.. i can make the payments i just need to find somwhere willing to lend me..

payday loans are out of the question they are too small and they need to be payed back too soon.. i need something that is at least 3 months to a year