Debt Help Services

Posts Tagged ‘Debt Consolidation Options’

Question: I need $20,000 for debt consolidation – score & history is good just a lot of debt. Keep getting denied, help?

I am very desperate to come on here and talk about my financial situation. I need approx. $20,000 to consolidate credit card debt… I do not have enough equity in my home (just bought it last year), I have tried personal loans through Capital One and Chase and have been denied. With Capitol, I even had my father co-sign (he’s got excellent credit) and it didn’t work. I have NO WHERE ELSE TO TURN. I need help, if anyone knows a forgiving lender who will look at my situation, or any other way for me to reach my goal, PLEASE let me know. Please do not refer me to a credit counseling program, for I don’t use my cards anymore, I just have been paying on them for 3 years and trying to speed up things. I know I could just keep paying the most I have on one card and work them down, but I am looking for debt consolidation OPTIONS. Like a bank or organization that would help. Thank you so much for your time in advance!

Answer: The best place to go is www.prosper.com.

This is a peer to peer lending website. You can get a loan with a three year term for up to $25,000. At the end of the term, you'd be out of debt. You'd need to make enough money to cover your payments, of course. And also, please keep in mind that these are real people taking a chance with their own money to try to help people out, so do the right thing.

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