Debt Problems - how can people with bad credit get a loan to help fix their small debt problems?

how can people with bad credit get a loan to help fix their small debt problems?

I only have a small debt problem that can easily be fixed but I can't get the help I need

Public Comments

Incredibly high interest rate loans. (Payday loans). Not worth it IMHO.
Borrowing to fix debt?!?!?! Hmmmm. Sounds like a typical solution for someone in debt. Call all of them and work out a payment plan and try to get your interest lowered or stopped. Then, make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off. You probably need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don't eat at a restaurant until your debts are under control. Take a sandwich for lunch. Cancel the gym membership. Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH. Go to the library and get "The Total Money Makeover". Read it and follow it carefully. Go check out Dave's website as well. www.daveramsey.com
You don't need a loan..you need extra income.
If you can't borrow the money from a trusted relative you could try a loan company- not a bank
If you want to get a loan to pay your debts, you need to pay your debts- and round and round and round....(head spins)
how bad is your credit? If you belong (or join) a credit union, they might be willing to loan you a small amount of money....or you can call my cousin Biggie and he would be happy to loan you plenty, for a small fee of course. Payday loan companies, finance companies "signature loans", all those have the same interest rate as The Cousin, so just save a little out of each check and then pay off your bad debt in full off of your own dime.
whats ironic is that people with bad credit have bad credit because they think getting into more debt fixes their debt problems when in reality, absolutely nothing has change. They still owe the exact same amount of money, they just owe it to a different person.
if you work try your job credit union take out a loan and pay it or file chapter 13 let them take it your check
Improve you credit. Get a department store credit card, buy something and pay it back on time. Or I can lend you the $ interest free, i am a millionaire and wouldn't miss it.
You will have to make arrangemants with creditors and keep the agreements, if it is to dificult call and ask for smaller monthly payments they will work with you trust me they would rather deal with you than pay someone to sue you. Also if the debt isnt that big say less than 500 they may let you pay it of at just half in a one time payment.
depending on the type of issue you have.... first you can check with a company like eloan or the like. next option could be apply for new credit card and consolidate. another option is to take a loan against 401(K) or IRA ... be careful as these can be very costly if not paid promptly.... penalties and taxes will bite....
Go to www.prosper.com. It's people giving people loans. You just type the amount and why you need it, then someone can sign up to give you a loan. Also, sometimes credit unions are more forgiving about credit if you're getting a first time loan. Hope that was helpful!
Borrowing NEVER solves DEBT. Debt is a SYMPTOM of spending more then you earn. Once you solve that, you can pay off your debt WITHOUT a new loan. Until you begin spending LESS than you earn, a new loan will make your debt WORSE.