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.

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

should i get some payday loans?

i know this sounds terrible, but hear me out. i am pretty unfamiliar with payday loans.

i am going across the country with a friend this summer, and i will need some cash. i am currently unemployed in northern new england and i have yet to find a job. the situation is quite dire up here, and i’m sure some of you know how it is.

anyway… if i can’t find a job when the time comes, i was thinking about getting some type of easy loan (i.e. a payday loan?) as my credit is very poor and i have no source of income. i have seen some online payday loan companies that claim they do no job checks – however im not sure that this is true… i’ll look into it further.

my question is such: what legal rights do they have? i know there is a contract and yadda yadda but will the retaliation be anything more than the usual daily harassing phone calls? because i’m used to that already with my college loans and credit card debt, and it really doesnt bother me. so ar am i not in any legal trouble, and i really dont want to end up in court (although i suppose even if i did they wouldnt really be able to squeeze me dry, considering i am a broke ragamuffin).

keep in mind after i get these loans i will be travelling to and perhaps staying forever on the other side of the continent. SO! please keep an open mind and give me your opinions.

thank you!!!
im aware that you need a paycheck, BUT as i mentioned in my original question i have seen companies online that claim they do not check for jobs… i’m not sure how true that is though.
so yeah. read my question.

Where can I find a Private Student Loan that DON”T do credit checks?

I will be starting class online at University of Phoenix. My FAFSA and everything is not enough for my expenses. I need a private loan that I can payback once graduated. I need maybe 4-5 thousand at the most. NO ONE can co-sign for me so that is NOT an option. My credit score is in the low 500 so its not good at all. I would prefer a student loan but also if you could give me websites on loans period that would be good also. NO PAYDAY LOANS! and remember….NO CREDIT CHECKS……Specifically for Students or people in general with LOW credit score, NO credit or BAD credit.
And I dont need ignorant remarks, PLEASE ONLY RESPOND WITH HELPFUL INFO! I would like guaranteed APPROVAL… Thank You in advance

cash advance or payday metabank?

i know there is very few legit payday loans out there online does anyone know a payday or loan service with no credit check that works with metabank. no spam or people telling me how bad payday loans are but im in a bind a need one

Any legit non-payday personal loans online?

My boyfriend and I are trying to get get a personal loan, or any loan that we can for about $7000, $5000 of it to buy his sisters house. I have bad credit and everywhere we’ve gone in the past has told my boyfriend he doesn’t have enough credit history. We recently got him a credit card to start establishing credit, but he hasn’t had it long enough to really show anything. We are going to try the financial places around here, but I wanted to check and see if there’s any legit places online to try, we both work different shifts, so it’s hard to get together to go and apply. We have already tried lendingtree, american general, and prosper.com. Nothing for any of them. Lending tree is still pending, but I doubt it. We don’t have anyone to cosign for us, no family to borrow it from, and we don’t care how much the interest rate is. Thanks in advance.

Anyone done business with 5050loan.com?

I am asking this question for a second time, as all of the replies I received during the past several days, nobody seemed to read my question and just started providing links to various bad credit loan companies, payday loan companies, and companies that only fund loans up to $1,500. I am not interested in any of these loan companies. So please read my question before submitting your answer(s). Thank you.

In this case, if you have not received a loan via 5050loan.com, you WILL NOT be able to answer my question, so please do not bother to answer my question if you HAVE NOT received a loan through 5050 loan.com. Thank you for your understanding.

MY QUESTION:

After seeing various online ads provided by 5050loan.com (see some of their claims below), along with reading the positive feedback on 5050loan.com in Yahoo Answers already, I was already to try my luck at getting one of their loans. However upon going to their website today (08-03-10), they have a statement on their website that states: “AS OF JULY 19, 2010 WE WILL NOT BE ACCEPTING ANY NEW LOAN PACKAGE SUBMISSIONS DUE TO THE LARGE VOLUME OF SUBMISSIONS WE HAVE REACHED OUR MAXIMUM PROCESSING FOR THE MONTH OF JULY ”.

I have never heard of a business or company having to put potential customers on hold like this. Yet upon doing a little further online research of this company, it looks like they have over advertised and they seem to have quite a few ads on Craigslist and The Backpage and have ads on other various online advertising venues all over the country. Well it must be nice! I sure wish I could get a job working for them if they are that backed-up with business. SMILE! Yet upon reading a few media articles on this company, it seems that they work with several lenders and are not the actual lender themself. So I was wondering if anyone that has a loan through 5050loan.com, can you please provide me your lender name and telephone number. Because I somehow have a feeling that 5050loan.com is going to be swamped for awhile, and I would like to apply for a loan through one of their lenders, since 5050loan.com seems to be the only company out there that might be able to help a person like me in my financial situation get a loan for $25,000, yet if they are that busy at the moment, I hope by going to one of their lenders directly, I can have better luck to see if I can get a loan or not, rather than waiting for 5050loan.com to open their doors to start taking applications once again. Seeing that it is already August 3rd, they still have not updated their website to provide a status on when they will be taking applications again.

I would appreciate any help I can get. Thanks everyone : – )

Ernesto

5050loan.com states in their ad:

No Credit Check – No Collateral Required – No Co-Signer Required

No Bank or Checking Account Required – Garnishment Ok

No Job OK – Stated Income Ok – No W2 or Tax Returns Required

Bad Credit Ok – Repossession Ok – Charge Offs Ok – Bankruptcy Ok

Foreclosure OK – No Credit Ok

Loans up to $50,000 – No Upfront Fees

UP to $50,000 Unsecured Personal Loan

No Credit Check – Patented Identity Verification Check