Ok this is the problem…..I am a single mom of 3 and get no help from their father. I work full-time but i cant get ahead on anything. My bills are soooo far behind and im about to loose my car. Im only 31 and cant even get a loan! My credit is horrible and no one will co-sign for me. Im not a spender!! I dont just blow my money on stupid stuff! I really need some good advice! If ya can please help me before we end up out on the streets! thanks!!!!
go to a major bank, they will generally have a high risk loan department…you will pay big buck snad have to leave collateral but its a shot
You can’t borrow your way out of debt. If the father works you may be able to get his wages garnished, you’d have to talk to a lawyer though. Sell everything you don’t need. Talk to the companies you owe (utilities) maybe they can work out a payment program for you that would be easier to manage.
You need to Write down all of your Bills on a paper and then on another paper write down all of your income. Also with both Income and Expenses write down the time of the month there due. Next be sure to get all your spending down. Next Get the Necessities which are The roof over your head, Utilities Which is Heating and you can do without some of the Cooling and all the Cable TV-get you some rabbit ears and most library’s offer it free-computer-internet. Look to where you live, is your appartment to expensive for you or to big? Get down to making your food from scratch instead of McDonald’s or Prepared foods from the Store. Water instead of Pop or if a sweet tooth Coolaid. Cut up all your credit cards.
For further good financial advice and life advice listen to the following radio people that have tremendously good things to say for everyone. daveramsey.com and Clarkhoward.com
Happy listening… been there myself…
Sound like you need more help that I can provide in a detailed answer.
I have no association at all with Dave Ramsey, an authority on debt problems.
You can find more information than I can provide on his website and it is free.
There are plenty of places that offer loans for people with bad credit with no-hassle applications and easy requirements.
Some of these lenders even offer 1 minute approvals, and have both secured and unsecured loans, depending on your need and situation. Check the page listed below, it has information and bad credit lenders listed off and on.
If you plan to pay back the money , you can ask for a loan at Prosper. More information at . You can also try your luck at online charities, people may send donations. More information at
Hi,
Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved onarrange loans or other finance, and usually means you will pay more interest on any loan you take out.