Debt settlement

What steps do you take first

For those of you who have been successful with debt settlement.

Did you negotiate this with your credit card companies right off the bat or did you start first with asking for a decrease in the balance or interest rate. When negotiating debt settlement – how do you present your case? I don’t know what to say to these people.

Discover directed me to credit counseling and they want a specific amount that I can pay each month. I don’t see how this is going to help any with the high APR I have.


Loans For Bad Credit?

Hi, I’m new to the group! Due to a divorce and recent years of bad decisions, my credit is not good. If I could get a loan (around $6000) that would pay off everything and bring all my payments current, plus I would be paying less per month.

However, I am having a hard time getting a loan due to the bad credit. I have held a full-time job for almost 8 years and could have payments automatically drafted from my bank account. Does anyone know where I could do this? Or is there a better way? I’m open to suggestions. Thanks!

Consider installment loans, not payday. Go to – there you can get an installment loan even with bad credit score.

Good luck!