I would llike to obtalin a loan to pay off all of my debt an no lender is willing to give me a chance. When I first turned 18 years old i was careless ran my credit cards and uitility bills up and didnt pay on them... Now I am paying for it big time!! If anyone knows of anything i can do besides save money and pay them off please help!! I have been doing that but with a job that doesnt pay very well and 3 kids to have to worry about its really hard to save money to pay off bills i have now and bills from my past!!
2007-12-06 06:26:03 · 10 answers · asked by lorenamgonzales 1 in Business & Finance ➔ Credit
You'll need to get a second job and cut back on what you currently spend.
Another loan is not the answer.
2007-12-06 06:29:22 · answer #1 · answered by csucdartgirl 7 · 3⤊ 1⤋
Honestly, I don't think there is a lender out there that will help you obtain a loan. I don't blame the lender for not wanting to help a person that never pays a bill. You'll do the same thing with the loan, and those companies know that. You have to be willing to make sacrifices and be able to work your butt off to get out of debt the right way.
Cut out the spending (REALLY), eat ramen noodles for a year, walk to the store..etc. All you should be buying is the bare necessities to survive if you are serious about getting out of debt.
If you found a loan, you didn't eliminate your spending problem, you just are in denial that it is there.
2007-12-06 14:49:20 · answer #2 · answered by Goodbye 5 · 0⤊ 1⤋
Sorry to say I too had that problem; used the credit card to survive between jobs.
Basically you need to lay out a budget, and cut out all the frills. At least until you caught up.
I found that although it seems cheep run for the fast food it was cheaper to fix large portions and keep leftovers.
Avoid using the car for single stops or short trips; walk if you can and save on gas.
Put as much as you possibly can towards the loans; paying the minimum you'll never get caught up.
Good Luck @>--->---------
2007-12-06 14:41:40 · answer #3 · answered by KC 3 · 0⤊ 1⤋
Logical question. If you cannot pay the regular bills now, how will taking a loan thus increasing your monthly payments help you? It will only make matters worse
2007-12-06 18:32:17 · answer #4 · answered by Pengy 7 · 0⤊ 1⤋
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2007-12-10 11:52:15 · answer #5 · answered by makeeta c 1 · 0⤊ 0⤋
Get another job that pays better, or tell the kids mommy can't afford it now.
2007-12-07 15:27:22 · answer #6 · answered by Steve R 6 · 0⤊ 0⤋
check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates and rewards. GOOD, BAD OR NO CREDIT they have the right card for you.
2007-12-06 18:00:43 · answer #7 · answered by GTW 3 · 0⤊ 1⤋
Bankruptcy
2007-12-06 14:31:31 · answer #8 · answered by dubak00 2 · 0⤊ 3⤋
set up a budget, and stick to it.
2007-12-06 14:35:22 · answer #9 · answered by jaflo 2 · 0⤊ 1⤋
bk7
2007-12-06 14:33:05 · answer #10 · answered by ilovecats 1 · 0⤊ 1⤋