Question : How can I get a 15,000 loan without a credit check?
I took a $17,000 pay cut about a 2 years ago. My wife was using our credit cards for basic living expenses. Needless to say we got way behind, we have 2 in court trying to get a wage garnishment. I make more money now and we can afford about $250/mo for a payment. But if I just pay the Credit companyies they keep adding interest and fees every month. If I settle with them and pay a lump sum then it will be done and over with. But I need at least 15K to pay them off. Trust me, if anyone see's my credit record they will refuse a loan. My wife got deathly ill, causing us to file bankrupsy 6 years ago. Can anyone give me advice. If my wages are garnished for less than the monthy fees added to all these accounts, then not only will I be out on the street, but I will never pay these evil creditors off. Thanks for your help.
- asked by Brian B
All Answers:
Answer #1
Wait 2 years and file for bankruptcy again -starting from a clean slate - once the creditorshave you behind the eight ball, they'll stoplending you money that you're no longer able topay back.
- answered by Bob
Answer #2
That is impossible...you will never find thatunless its from a family member who wont do acredit check.
- answered by Ross
Answer #3
When you say they are in court.. did a collectortell you this or did you get a supenoa? Collectors lie a ton and rarely does it get to thepoint where they garnish your wages. Put aside$250 a month until you have the $$ to settle alump sum with each. Try to get the settlement aslow as possible. Unless it is a pay day advance,you will most surely get your credit checked forany type of loan.
- answered by Noah M
Answer #4
Contact a "nonprofit" credit advisor. They cancontact your creditors and arrange a much lowerrate of payment. Good Luck
- answered by Diogenes
Answer #5
I was in your shoes a few years back. If youtruly want to pay the credit cards off, all youneed to do is contact a debt counseling service. There are many to choose from, I used ConsumerCredit Counseling. They will need to know all ofyour creditors, and they will contact them. Theywill get your interest rates reduced (most of themwill go to zero) and they will work with you toget an afforable payment plan. You will pay thecredit counseling agency and they will pay yourcreditors for you. I would recommend to anyone. It worked like a charm for me! Most of thecompanies that you can use are nonprofit,therefore, not charging you fees for theirassistance.
- answered by camilliam19
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