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.

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

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.

can i file bankruptcy on a payday loan debt consolidation company?

Has anyone ever heard of a payday loan consolidation company, I wanted to know if they are real & can help?

I heard the ad on the radio, and called them. The way it’s supposed to work is they set up a savings account for you at Rocky Mountain Bank(never heard of that name before either). Then they start to negotiate with the payday loan people on your behalf, Meanwhile, you’re sending money to this bank that will be used to pay off the lowered loan amounts, after the companies have settled your accounts with them. Their fee is $145. Do you think it’s on the up and up? Anyone out there knows for sure?

payday loan debt consolidation for non-homeowner?

any debt consolidation companies that will combine payday loans under one umbrella or any lender

Is there a legitimate payday loan consolidations company I owe 4 thousands dollars and not able to repay?

I live in Texas and am a senior citizen on a fixed income

are payday loans included when you want a debt consolidation loan?