Debt Problems

What is a signature loan? I want to consolidate debts to one payment, my bank says choose signature loan or? im looking to consolidate some bills and debts into one low monthly payment. my credit union has cosolidation loans or signature loans.. what do i choose? whats a signature loan??

Has anyone ever been helped by First Choice Lending or by Lending Tree to consolidate debts? Some guy called my mom from First Choice Lending about helping her with debts. How did they get her number? Is it a scam? I heard of Lending Tree, can they help me even if i have a score of 500 and owe about $10,000 that I am in debt right now.

Should I get a personal loan to consolidate debts using car as collateral? Just paid off car this year. have credit card debt, is loan better than trying to pay off credit cards? Bank said have to have secured loan. No equity in house, good credit score. What would you do?

How can I get a loan?/ To consolidate debts? I have a school loan for like 10 thousand, then I also owe the hospital like 15 thousand, but my credit is not very strong its around 563, I would appreciate it so much if anyone knows what I can do also I'm young does age matter to qualify for those type of loans? Im 21 years old. Im trying to get another job.

is it a good idea to consolidate your debts? I have a car payment and a personal loan payment, im in the process of buying a house and im thinking on consolidating all my debts including the mortage payment, is it a good decision?

What if I consolidate all my debts into one payment? Well, I am not sure if I consolidate all my bills into one payment will that ruined my credit or not? Also for example, if I choose "Credit Guard" what will they benefit from me that they would want to help me? Is that a good idea because I am tired of paying for my debts and I never see any money from my paychecks. I know it was my fault, but now I want to get out of debts. If any one can help clarify these questions for me because I am very clueless about these things.. Thank you

Which financial institution is the best (lowest rate) to consolidate debts? Please provide name and interest rate, if available. Credit cards, home equity loan, and others.

What is the best way for me to consolidate my debts? I have about $5000.00 in unpaid credit card debts and about $4500.00 in unpaid medical bills. I make about $10.00 per hour on 40 hours a week.

Can we use a first time home buyers loan to consolidate other debts? We would like to consolidate recent medical bills and a small student loan with a first time home buyers loan. We are preapproved for $15,000 more than what we are looking to buy but are told that we cannot get cash back.

I need to borrow about AUD1000,000 to purchase property and consolidate debts? I have no savings and need the funds to cover costs etc. I will be able to repay the debt. I am a professional and have been with the same employer for about 10 years and have a very good income. I also have a good credit history with no defaults. I wish to purchase property which I will be able to redevelop in order to repay the debt within the next 5 years or so

I need to know a company that will help me consolidate my debts. I need to fix my credit and start over.? I have BAD credit. And now I am at a point in my life where I want to get on track and have decent credit. I want to be able to get a home and car in the near future and I need to get started. Does anybody know of a company that will sum up my debts and let me make payments to them to get back right?

want to consolidate debts, while not having good credit? don't want to file bankruptcy, would like to find another way out while establishing credit. do not have any equity.

I am Living in south africa and need a loan to consolidate my debts. Please can anyone help me.? I earn a good monthly income, but things went terribly wrong for me and before I realised my debts were higher than my income. I am a single parent and seems to me when you are living in South Africa it is almost impossible to get a unsecured loan to consolidate your debts. Do anyone know of a company that will be able to help me?

What company would you recommend to consolidate your debts? I need to do this as soon as possible. Has anyone consolidated? With who and why? Any suggestions would help! Thanks everyone!

How can I consolidate mine and my husbands debts? I'm trying to fix my credit, as well as my husbands. What's the best way to consolidate both of our debt? Should we do it separately? Or joint? His debt is much larger than mine, but my credit score is much worse than his... I don't even know where to begin. Can anyone give me advice?

Chapter 13 bankruptcy in CA...will this help to consolidate debts owed for old fines or tickets? I know that filing a chapter 7 will not wipe debts owed to a court or other govnt. agency, but I can't tell if this is also the case with the Chapter 13.If anyone has any info I would greatly appreciate it.

Where can I get real money to pay off my debts and consolidate my credit cards? No scammers, and I've sold my home so I cannot use a consolidation refinance loan. I am being turned down, and I just want to pay off my debts. If anyone from Prosper wants to send me their way, please don't. I've gotten no help from them.

Any good or bad experiences using a credit counseling agency to consolidate debts? I'm thinking about doing this but wanted to get feedback first.

How can I consolidate my past debts only? I have bad credit due to poor past choices, my basic issue is that I want all my past debts taken care of as soon and as cheap as possible; without having to get my recent bills involved. Some companies want to regulate or buget if you may all the ways you spend you money, and I don't want that. Just want to have my previous debts straightened out. Also, would you know of any other ways to raise your credit score? Thank you

Would it be better to consolidate my debts or just to continue paying them seperately...? I heard that consolidation has a higher interest rate then paying through the seperate collectors, and ends up taking about the same amount of time to pay off anyway, so it really wouldnt be worth it. But it seems that it would be easier to just pay one company a month instead of several companies a month.... What do you guys think?

Is their any good companies out their that would consolidate debts.That would actually get me out of debt?

How would I go about trying to consolidate my debts? Should I go to a Debt consolidation place?

I have extremely poor credit and I need to consolidate my debts with a little cash left over.? I am a mother of 3 and due to loosing our home to a fire last year am living paycheck to paycheck. My son is graduating and I have had many unplanned for expenses this year. I can't stay ahead and my boss just cut my hours at work. With gas prices at 3 dollars per gallon I am at the end of my rope. Isn't there a ligitimate company out there that could help me? I have about 10,000 credit debt and although I have been making the minimum monthly payments, there is nothing left over to live on. I haven't bought groceries in two weeks, except for milk, bread, and eggs. I am washing clothes by hand because I have no money for detergent and am using bar soap. This may sound like a big sob story and I guess it is, but I need help!

How easy is it to release equity from a house to consolidate debts if you are under 60?

What is a good company to use to consolidate your debts?

How could i get a 70 to 80 thousand loan to consolidate all my debts (cars and credit cards) for one payment?

Is it a good idea to remortgage house to consolidate debt? My husband and I are looking into refinancing to consolidate our debts, it'll pay our credit cards, car payment etc...the lower monthly payment sounds great but I'm afraid it'll be more trouble than it's worth. Does anyone have any tips, suggestions, questions we should make sure we know before we say yes?

what is the best way to consolidate debt without using a line of credit? I have only one negitive on my credit report, 90 day late payment on a student loan from 2003. The loan has been payed in full for over a year now. But, I am unable to get a line of credit to consolidate my debt which is minimal. What options are out there? I am currently on a waiting list for housing and my number should be up in a year and a half. I need to get rid of my credit cards and put together the down payment for my place in this time. Any suddgestions?

Do you want to consolidate your debts into one monthly payment? Have you been refused credit or have CCJ's Im just intrested I cant help you. sorry

When living paycheck by paycheck, what is the best way to consolidate debt? Can you give me insight as to the best way to save money, make money or consolidate current debt so that living paycheck to paycheck and worrying about whether or not one can make rent won't be a constant worry? Please serious responses only, not the "don't buy anything" answer. No new credit cards have or will be used. Thanks.

What is the best company/solution to consolidate my credit card debt with? If I do not have a perfect credit score and I am past due in some credit cards what is the best company to consolidate debt with so I can make one payment?

Consolidate debt? Too many credit cards? How can I eliminate debt with out it hurting my credit score? Consolidate debt? Too many credit cards? How can I eliminate debt with out it hurting my credit/fico score? Do the consolidators companies hurt your credit?

How can a person who has bad credit take out a personal loan to help consolidate debt? Is there any way to take out a personal loan to help consolidate debt when a person has a bad credit score?

Is there any way you can consolidate your debt, including car loan, personal loan and credit cards? Will a bank consolidate debt up to $40,000.00? does it depend on your credit score? What bank or institution do you recomend?

How can I get a list of my debts including phone # and address so I can consolidate my bills? The list of my debts has to have as much information as I can get

I want to consolidate debt. Any good trustworthy companies? We do not have a lot of debt, but want to buy a house in 2-4 years. We want our credit to be squeeky clean. I've heard of companies that will make offers to the collectors and then consolidate all the bills into one monthly bill. Any good advice?

What is a good company to go through to consolidate my debt? I have about 8,000$ in debts I was wanting to try and consolidate. What is a good company to try and do this through? I am lost in the financial world, and thought i have a new good paying job, I have fallen a couple months behind, and it would be best to see if I could consolidate. Please help me!!!!!

Is it better to consolidate debt into an existing personal loan than have credit cards and a personal loan? Hope this makes sense. Just after some serious advice on whether I should consolidate all my credit cards again into an existing personal loan. Also not looking for lectures, I've learned my lesson. please note I'm in Australia so interested only in Australian financial advice that is relevant for me

What is the easiest way consolidate debt and finance a home? My credit score is not that good but I have a good paying job had to send family tons of money I live in a home now i rent with the buy option is there any company that will pay off my debts and finance my home that i have been living in for two years so that i can get out of debt is this possible.

How to make it easier to consolidate my debt? I am owning an amount on a barclay credit card and also have a barclay loan. I am thinking of getting another loan with a better interest rate and then pay off the card and the loan so I can consolidate the two debts into a monthly payment that is lower than what I am paying now. Is this something that people have done with any success? Whats the best way to go about it? I do not want to get caught in any debt consolidation scams that I have heard about. Any advise/suggestions/web links would be grateful. Thanks

Where can I consolidate my debts if Im not a homeowner?

Is there a place to just do a personal loan to consolidate debt? My bills are all current. My credit is good. I live in Texas. I do not want to do a refinance or a home equity. I cannot seem to find a source to consolidate my debt. I have good credit and i never have had a late payment. Everything i find is for people who have already fell behind. I do not wish to do this. I want to keep my credit good. I need to make one payment and interest per month rather than four. I am now self employed. Any suggestions?

who is the best to hire to consolidate debts?

How do you consolidate credit card debt if you do not own a home? I owe about $12,000 in credit card debt and I wanted to make that my year's goal to pay it off, but a lot of the websites I find require that you own a home, or charge a huge interest for someone to "negotiate" with your creditors to bring down interest. Does anyone know of a good resource where I can just consolidate the debt and make one reasonable payment?

I have REALLY bad credit and I am also in debt. Know of anyone that will lend money to me to consolidate? I have made my mistakes and now I am desperatly trying to fix them. I would like to know if anyone may know of a company that will lend money to consolidate debt, so I can get my life back on track. I have REALLY bad credit and a lot of debt. Please help!...

I have $33k in credit card debts on 4 credit cards, where can i find a bank that consolidates that debt? I read the other day that it's possible to consolidate credit card debts while getting a lower rate, who can really do that. I wish i had only one credit card instead of 4.