I am working full-time but live from pay check to paycheck because of pay-day loans, and other old debts,that I have been trying to pay off for years, I have horrible credit and its getting worse because I can't pay off the old stuff to keep up with the current. I have a new man in my life and want to be able to start fresh without mine and my deceased husbands debts interfering. I don't want information on free grants, I need a legitimate loan that I can personally take care of. I do not want him to feel responsible, and if something should happen to me, I don't want my children to be responsible either, life has been hard enough on them. I own nothing, and I pay the utilties at my boyfriends house in lieu of paying rent, I drive a ten year old car that still isn't paid off. I want to borrow, pay everything from past off and make one payment to one place, so I can get caught up. This is important to me. I'm not looking for hand outs.
218305
Your local consumer credit counseling agency may be able to offer advice and possibly assistance.  \n\nI would try the one that is actually called CCCS rather than one that may advertise as credit counseling.  CCCS is non-profit and offers free advice.
303881
Wow that's an incredible question...I'll do my best to give an incredible answer.\n\nFirst..YOU DON'T SUCK! And only your thought of you do, you need to give yourself room to be human.. we all make mistakes, sometimes more than once or twice or even a dozen times before we start beating ourselves up enough to say.. "Well this isn't working, time to change tactics"\n\nDoing the same thing over and over again and expecting different results is the definition of insanity!! \n\nComplaining however is whole different thing in itself..Is it really that you're complaining about it... or needing feedback from an outsider's view to see if your decisions are with sound reason..and as long as you're looking for more info on what went wrong..and learning from them.. \n\nGiving up that right to complain happens when you aren't at all conscience that you have any responsibility in what has happened .... blaming circumstances, blaming others, blaming anything else but what you've personally contributed that made this outcome a reality is what voids the complaint department to me.  And it's okay to complain about yourself, as long as you're learning what you did doesn't work, and try a new path next time, and if the same result happen again.. and you complain.. to me that means you're looking for someone else's view to help see what you might have missed in the situation.\n\nGood Example?..Well I am a work-a-holic, and help-a-holic, When I have time I give it.. and where I see troubles I try to help with it. My hubby's granny had many troubles with credit cards, bills, health and a live in son that most of the time wasn't employed..So I took every path imaginable to bring back value and calmness to her life, but you can't help those who won't help themselves.. so as much as I tried to help in different venues, it was fruitless...you can't invite a person to live with you to help them, for them to want to bring the problem with them to you. And I don't hear them complain anymore since my hubby and I have made several offers to help, and they don't accept those terms, it's the only terms we are able to give. So you make peace with that, wish them well, and pray for them. Then you move forward.
262138
I'm sorry to hear about your husband, but you seem to be doing all you can do right now with out killing yourself. I would suggest trying to borrow from a friend or family member. Sometimes we find that we have to sacrifice our most prized possesions in times of need, do you have anything you can sell worth value. I had too sell off my horses, that really hurt, but it was something we could live without.  Are you making payments on a car, if so you may want to try to work with refinancing or something to lower payments..  Good luck, things always work them selves out.. PHB
505416
To rebuild your credit you should leave a small balance and pay on it every month on time. What they are looking for is a history of payments to show that if they loan you money on something that you cant pay in full like a house or a car, that you will make the payment every month on time. You also have a right to put an explanation on your credit report for the accounts that were pass due, something like job loss, illness, divorce that will explain why you got behind on those accounts. To do that go to your local credit bureau offices (you need to go to all 3 since they do not share info).
576242
Getting a big loan to pay off the smaller ones is not going to help your situation.  You have discovered the dangers of these places and are smart to try to get away from them.  If you can get a loan from a bank or credit union to pay off the payday place that would be the best bet.  Even if they charge you credit card interest rates you would still be better off than you are now.\n\nI think you should pay off your existing loans one, or more, at a time if at all possible.\n\nI know this doesn't help you, but I wish those businesses would be outlawed!
610917
here are some things that I have been doing:\n\nget a credit card at your favorite department store. Pay off the balance every month so you don't have to pay interest. This means, only charge what you can pay in a month. Don't carry a balance from month to month!\n\nI moved out, but if you can't do that, then put some sort of bill in your name. Put your cell phone in your name, or get your own phone line. Paying your bill every month on time will help establish your credit\n\nSometimes it is hard to get a credit card at a dept store...I couldn't even get one at the one I worked at!!! So before I did that I had to go to my bank and get a college credit  card through them. \n\nhowever you get a credit card, just remember, PAY IT OFF AND DONT CHARGE MORE THAN YOU CAN HANDLE that is the most important thing.
419970
Possibly yes. It's a good idea to keep separate bank accounts - that way you will be able to always show that you have good credit. And if you buy something jointly you will probably automatically become responsible for it, especially as she already owes money elsewhere. :-/
255188
Start by paying your rent/mortgage + utilities (water, electricity, gas, NOT cell phone, internet, cable/satellite), food, clothing, transportation (gas, insurance, NOT loans) and emergency savings (more on this later).\n\nIf you can handle those, move on to these: life insurance (if you have dependents), cell phone, internet, cable/satellite, household expenses (stamps and such), auto expenses (oil changes, registration), home repair/maint. (if you own).  Still ok?   Then keep going.  If not, this is where we start cutting and you have to decide where.\n\nFinally we get to debts - auto loan, credit cards, student loans.  List these in order from SMALLEST BALANCE to largest.  Pay the minimum on everything except the smallest and pay as much as you can on that.  If there's nothing left, you need to start making some calls.  Start with the credit cards to see if they will defer payments for a couple of months.  Interest will still accrue, but if you call them before they call you, most will work with you (although you may need to talk to a manager).  They may ask you to make small payments.  If so, YOU need to tell THEM how much you can afford - you're the only one who knows.\n\nFor student loans, try to get a hardship forebearance for 6 months.  For the auto loan, if this is really only temporary, keep paying it, if you can.  If you can't, you're going to have to sell it, pay off the loan and get something CHEAP with whatever is left over (if you're not upside down).\n\nAs for that emergency fund, ALWAYS have money in savings for emergencies (like being out of work for a week).  Bad things WILL happen, but they are much easier to deal with if you have some money stowed away.\n\nIf you need any more help, let me know.
433368
There is so much good advice already , but ...   I would like to add a little to it anyway, namely ,  PLEASE  see to it immediately that you have a job, an income of your own of some sort . Take your name off that account of his and get one in your own name . You do not need anybody else's  approval when you feel you want to spend some money . Earn it yourself and enjoy it yourself. Pay your debts and don't be a moocher living in a person's apartment etc., and they have total control over your destiny . He can do an about turn and kick you out any time if your name is not on the renter contract . All you need is a good fight or argument and you are history . I hope for your sake you put some money aside . Sure is hell to be hungry and have no place to keep warm . Look out for yourself and good luck to you .
416689
You don't mention if you have a job.  If you do, you could either ask your employer for an advance on your paychecks or you could go to one of those paycheck loan places where they will loan you the money, at a high rate of interest, but it's better than being homeless.  Also, have you asked your parents or relatives?  One other thing, check your university's social services dept. (if they have one) and ask a counselor there for help.  \n\nIf you don't have a job, get one!  If you've been paying your rent on time in the past and this is the only time you've been late, your landlord might cut you some slack when you show him that you are really trying to get your life back on track.  Set up a payment plan with him and stick to it.\n\nIt's good that you're learning a valuable lesson now, while attending school, and it's not even part of your curriculum.  Your credit history/rating will be one of your most valuable assets as you go through life.  Protect it and do all you can to keep it healthy.  That way, when things happen to cause unexpected financial problems, you have options.
44597
I HIGHLY recommend the sites listed below for help and advice. Take it one day at a time. Start with a budget.Eliminate anything that is not a neccessity. Pay what you can. Start with your neccessities first. home, auto, health, etc. With anything left over start paying the minimum on unsecured debt. If you have anything left over pay more than the minimum on the highest interest debt. When that is complete then roll those payments into the next highest etc. Good Luck!
364582
Iam 35 and I also made some bad financial decisions when I was younger. My advice is to clear your name, get the debts out the way and start a clean slate. Ring them up and sort something out. It will be better for you in the future, because it will give you more options, and you wont have the weight of it hanging over you.
51091
Think about it........if you don't pay for a credit extended to you...it can be a car, credit card, home loan...anything someone has put trust in you to repay...it goes against your credit worthiness......YOU had children, which SHOULD be more important than any other obligation you have.\n\nYES!!!!.......it should go against your credit report!  If I am a creditor you have applied and asked for credit from, I would want to know that you are unable or unwilling to honor your obligation to your CHILDREN!  If you don't pay for your kids, what would lead me to believe you would pay me?\n\nI don't know anything about your situation, BUT...before you pay ANYTHING else, you should pay to support YOUR children.  As for as taking half your check, tough!  The fact that they are having to take money out of your check should be embarassing because that is a last resort action by the court for individuals who WON"T send the money in.\n\nYou bring an intresting point to my mind.....One has to have a license to drive a car, get married, hunt a deer, perform electrical or plumbing work....but they will let ANYONE have children without demonstrating they have ANY understanding of priorities and responsibilty.\n\nAgain, I cannot judge you as I have no idea what the circumstances are, but the basic pricipal is the same no matter who you are......SUPPORT YOUR CHILDREN FIRST!
290068
Live under your means.  This means you might be driving a car a lot longer than you might choose to, but if you own it outright, that is saving you car payments.  Don't eat out as much.  Be smart about debt.  Pay off as much as you can toward your credit card each month.  This really hurts in the short term--you have to cut using the card AND make bigger payments.\n\nIt took me a long time to get in front of the 8-ball myself.  I am not rich, but I don't owe anyone any money except for my mortgage.  My mortgage is low and I am making accelerated payments toward principal with the goal of owning the house outright in 3 years.  My car is 13 years old and isn't exactly pretty anymore, but I haven't had a car payment in 10 years.  I can take months off at a time without working because I have such low debt.  That in itself is a huge security.  Living paycheck to paycheck sucks, you never feel in control of your life.  Start taking control, every dollar you can save can go toward your debt and get you on that road to being debt free all that much sooner.\n\nGood luck!
486883
Ask your friend for the help in paying for the storage unit but be sure you are the one responsible for paying for the monthly rent. Put it in your name not his. Also pay him back as soon as you can. It sounds like your friend is being supportive of you and he should understand that you may need help until you get back on your feet.
156388
See about refinancing if you own a home, or work more than \none job. Sometimes sacrifices have to be made to make things\nbetter.  It' not fair that your kids had to do without your\nsupport. If you're serious, look at finding a grant to help you get back on your feet.
560200
Contact any trucking company dealing with this and ask them if they are hiring for a driver or loading boy.  Maybe you would be lucky enough to get hired there.  Do you know why people build good credit?  So when they want to open their own business and don't have any down payment money their good credit vouches that they are dependable and can be accounted for.  If you don't have neither the money or the credit-who do you think will trust you even with one dollar? That is why they keep saying-pay your bills on time and never be late, you will need your good credit some day.   Well, apparently you thought that it was some kind of a joke ah!