I need big time financial help!!?
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I have to start with telling you that I am Bipolar. In the yrs of '05 & '06 I was in a manic state twice & bounced many checks, spent my $1000 VISA limit & my $500 SEARS limit. Then I didn't pay on these, so with collection agencies after me, late fees & I took 2 payday loans out on top of it all ($1500 in total), I am almost $5000 in debt.
I am no longer manic. I went to my bank & another one for a $5000 loan so I can pay everyone off & of course they denied me due to my credit report
I am now on disability due to the Bipolar & unemployed. I have nothing! But I have to start paying my debts before I end up being sued or being called into court.
Can anyone give me advice on how I can obtain a single loan of $5000 (not a cash advance or anything like that, they suck all your money and blood)? I worked out a monthly budget & a friend will help me stay with it. But where do I go to start this?
HELP PLEASE! Thank you!
I need big time financial help!!?Hi,
with your credit card debt, you usually can settle with them for a much lower amount! If you take your balances, most of it is probably late fees and interest.........When a collection agency contacts you , they usually will give you a payoff amount, say your bill is 5000.00 they will take the fees off and interest *just an example* then they will tell you that you owe a certan amount or they will charge you 10cents on the dollar and come up with an amount so before you go and get a loan and pay them exactly what thye want, try to negotiate,,,,,
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