Fed Financial - Need Help in Bad Financial DebT?

Need Help in Bad Financial DebT?

Im 24 years old and have at least $7000 in credit card debts.For some unfortunate situations in my life(was in jail for 6 months) and couldnt pay my creditors for at least 6 months which made it go pastdue on my credit and affected my credit score really bad.Have a full time job now and trying to pay them off step by step but on top off that im in more financial distress.I need at least $1500 within a month for paying the court fines and stuff and was thinking to apply for a bank loan....Due to my bad credit history within past 6 months do you think any bank will give me loan?? Need ideas........PLEASE HELP!!

Public Comments

Not a chance on a loan. Best bet is to see a credit counselor. They are in the phone book and your bank can refer you to one, if needed. What they can do is get the credit card companies to freeze the debt or decrease the debt slightly and this makes it a bit easier on you. They can also assist with negociations with the court and discuss your credit situation. It works better coming from a knowledgable 3rd party rather than just you saying that. These companies will take your earnings and give you a set amount to live on and use the rest to cover the bills. They do charge a fee for this. The upside is that this doesn't hurt your credit and can actually help it.
I assure you that no bank will give you a loan with the bad credit history. Go to a debt consolidation center. They will consolidate your bills so you will only have to make one payment and often can reduce or eliminate the interest that you have to pay. Once this is done you will be in a better position to pay for other fees since your money will be in control. Check out this link for a consumer credit counseling center near you. Good luck. http://www.consumercredit.com/
Visit www.prosper.com and tell your story there.....for $1500, if you can show lenders why you are a good risk to repay, and can offer a relatively high interest rate, you might get funding. You might also get an additional credit card....but if you have $7000 in credit card debt, and not much more credit limit, that may be unlikely. A bank is unlikely to make an unsecured loan - the way banks lend money unsecured is through credit cards. That shouldn't discourage you from trying....but it is not likely that a bank will give you a personal loan in your current situation.
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