Debt Help Services

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Question: Loans for Bad Credit…Help!?

I need to get an emergency loan…fast!

My credit isn’t that bad (my credit score is 623), but I can’t get a personal loan from my bank. They said that they would only give me an auto loan, which I don’t need. I don’t want to get any more payday loans. I’m told that not in debt enough to declare bankruptcy, but I can’t get caught up on bills.

I’ve also been told that I should not get debt consolidation, as that might make your credit worse. If I could get just enough to get caught up on bills (utilities, medical) I should be alright–I only need about $2,000.

Is there some service on somewhere online that provides some kind of loan to suit my needs? Help…any (serious) advice would be very much appreciated!

Answer: If they service your area these are good and BBB approved

http://www.debtreliefprogram.esuperfind.com?id=hra0tt16koo9

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Question: Has anyone dealt with Destination Debt Solutions before?

I have about 7 payday loans that are currently in default. My troubles started by borrowing from one to pay the other, and so on and so forth. After doing this I realized they were all due on the same date. Panic set in, then I had to try and figure out how to get out of this mess. So I did some searching on the web and came up with Destination Debt Solutions. Looked for any bad feedback on them on the ripp-off report & BBB websites but could find nothing.
Has anyone dealt with this company before? Need to know if they are on the up and up.

Answer: I'd be real careful before I sent them any money. Many of this type of place don't do a lot other than take your money. I don't know anything about this one though.

Good luck.

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Question: Can I reduce my APR on my credit card W/OUT the debt consolidation company’s involvement??

I have about 10k in credit card debt. I took cash advances on one card that has a 5k balance and the interest is killing me. The other cards have low APR’s and are fine. I tried calling the company to ask if any available programs and they say no.

Do I have any options other than damaging my credit rating by going through one of these companies or am I better off biting the bullet?

How long does this affect your credit when one utilizes their services?

Answer: switch to a card company offering 0% for 12 months, and throw all you can at it during this time

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