Question : Can anyone tell me from experience getting a high interest/bad credit loan vs a debt counselor?
I have made a string of bad decisions in the last year financially. No sad story here, I am just bad with my money. Plain and simple. I have gotten better and I am improving more and more every day, but I am so far behind on everything now, I just cant get caught up. I thought a couple of payday loans were the answer but that only made matters much worse. I have identified what I need to do and with my salary I can pay a pretty hefty loan payment but I just cant get myself to even and start moving forward. Between payday loan fees and NSF fees every month and I just wasting money and I cant get out of that trap. Does anyone have any sound advice or a suggested solution to this nightmare I am in. I just dont know what to do. Any advice would be appreciated. Thank you.
- asked by GTO
All Answers:
Answer #1
You can consolidate using this option:
http://goaddr.com/8r6 (which I proposed to youearlier) or get advise from sources like theseones:
http://goaddr.com/x9p
http://goaddr.com/8r5http://goaddr.com/8rs
- answered by Bulldog
Answer #2
Please please don't get another loan. What youneed is a serious, belt-tightening financial plan.I KNOW how hard it is when you don't have anythingto give, but a credit counselor or financialcounselor can help you. There are creditcounseling agencies who do this for NO CHARGE.This is what you need. Anyone who wants you togive them money for this service when you arealready in over your head cannot have your bestinterests at heart. I've listed a couple of reallyhelpful websites for those in your position. Goodluck getting things straight :)
- answered by tax.princess
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