how can i speed up my financial problem? i'm so tire even, i tried very hard to paid up my debts?
109504
work more  or get another job
960614
Im in the same boat as you. I have bad credit and debit. I for me figure get a 2ed job pay off all my bills save save save then try for a loan when the bank sees no more debit you have a better chance. I'm starting a business now, well it's already in the books but need more money to fund it.
1111000
It sounds like you are earnestly trying to do something about your situation and I admire that. It sometimes takes much effort to get to where you want to be and sometimes you can't do it by yourself. Since you are ready to make payments on your debt but just don't know how to go about it, I can make some recommendations based on experience, as I was once a financial counselor. In my opinion it may be time to contact a financial counselor at a debt management company. Debt management is sometimes the only way that you will be able to show your creditors that you are trying to turn a new leaf. I admit that I am currently on a debt management program myself, and it has helped me tremendously. \n\nIn case you are interested in contacting a counselor, make sure you look for these things in a company:\n\n1) A company who is genuinely trying to help consumers. A company who is looking for the consumer's best interests will not only counsel you, but they may take you through a budget, analyze your situation, provide free financial material, etc. In other words they don't just try to enroll you. You should never feel pressured.\n2) A company who is non-profit, certified, and has a good track record with the BBB. A company who is non-profit may ask for a donation but it is purely voluntary. All your payments should go to your creditors. Also there are regulation agencies in place to weed out the "shady" companies, so you should make sure they are certified and a responsible member of the BBB.\n3) A company that answers all your questions. You probably have lots of questions, but a caring counselor will walk you through step by step, and explain thoroughly every step of the process. \n\nSo if you are interested in the company I worked for, it is http://www.incharge.org . If you are interested in the company I have an account with, it is http://www.careonecredit.org/ . Both of these companies are registered with the BBB and have outstanding reputations. \n\nThere are plenty out there though, so you should find the one that best suits your needs. I hope that you get to where you want to be and don't ever give up! Patience will heal your credit. There is no quick answer. Good Luck!
186586
First, stop spending more than you make.  In fact, you have to find a way to spend less than you make.\n\nSecond, take your smallest debt (credit card, car payment, etc.) and double the payments on it.\n\nThird, when that smallest debt is paid, take the doubled amount you have been paying on the smallest debt and apply that in addition to whatever minimum payment you have been making.  Work your way up until you have paid everything off.\n\nFourth, save enough money to throw a big party for your friends after you have paid off the last of your debt.\n\nFifth, continue to save money, even if it's only a little bit per paycheck, so you have something for emergencies when they come up so you don't have to go into debt again.\n\nOnce you do all this, you will have learned to live within your means and you won't have to worry about big debts that cause you to be depressed.  Short of this, there are no quick, easy ways to get out of debt.
1078269
You may not like my advice but as a former financial counselor I hate to see people get into worse situations. Right now a $5000 loan is not the solution to your situation. I can see from the low credit rating and late payments on credit cards, that having a $5000 loan may actually be a large temptation to spend it instead of using it to pay off your debts. The BEST thing may actually be to use a consolidation program. They basically contact your debtors to arrange an amicable payment schedule to satisfy the debts and all you have to do is make one monthly payment. There are plenty out there which are non-profit, and you can ask them to waive their voluntary donation fee so that it truly becomes a free service. The reason it is a good idea, is that by consolidating your debts, the creditors see it as an honest attempt to improve your financial health, and reduce interest rates accordingly. Not only that, but they close all your open accounts so that you are unable to make any new charges. This might be painful but its the best medicine for someone who is having financial trouble. Just make sure you are working with a company that is reputable and accredited.\nThis might not be want you wanted to hear, but credit repair takes time. It is not something a regular person can fix overnight. Just continue to make payments and slowly you will see an improvement on your score.
1048560
OH, AND YO THINK DAT YO SO SPECIAL, YO DON'T HAVE TA PAY BILLS?\n\nFIRST OF ALL, LEARN HOW TO SPELL AND GET YOU AN EDUCATION.  SECOND OF ALL, SET YOUR PRIORITIES OR YOU ARE GOING TO BE HOMELESS ONE DAY.  THIRD OF ALL--IF YOU CAN'T AFFORD IT DON'T GET IT---BILLS IN THIS COUNTRY ARE HIGH BECAUSE OF PEOPLE WHO THINK THAT THEY CAN PAY WHENEVER THEY SEE FIT---THERE ARE DUE DATES.  IT IS NONE OF MY BUSINESS THAT YOU MESS UP YOUR CREDIT WITH THAT--GOOD FOR ME BECAUSE THEN I CAN PAY LESS INTEREST ON MY CREDIT CARD.
218467
Well as far as financial assistance goes good luck and keep trying. However have you considered changing your lifestyle maybe a small apartment, and other ways to be more efficient. It kinda hard to tell what your situation already is but, but wish you the best of luck.
227189
The Key is NECESSITY. If you have trouble with spending money, then try to stick with only buying items that YOU NEED and  you know what you really need or not and what you can do without.  Also try to limit the amount you spend each week and try to maintain a certain amount for each week and that will limit your use.\n\nOh and most importantly, PUT MONEY ASIDE FOR  YOUR BILLS FIRST BEFORE ANYTHING ELSE, then things might go a little smoother for you. But dont forget the key, Think: NECESSITY AND BILLS.
49869
The best things you can do are re-establish and re-affirm.  Meaning, no more late payments or going over balances from now on.\n\nMake sure you don't have too many credit cards with high available balances.  There really isn't much need to keep more than 4.  Keep the two oldest cards you have (long account history is a good thing), and then keep the one with the best rate.  (If you *must* keep a forth, just pick one).\n\nMake sure your balances owed are less than 40%'ish of the balance.  If your card has a $10,000 limit, try to keep your balance under $4,000.\n\nIf you are over the balance on any cards, rectify that as soon as possible.\n\nIf you are rebuilding from square one, you two best bets for a fresh start are local jewelry or furniture stores that carry their own paper (handle their own credit accounts), and secured credit cards.\n\nLots of small or local jewelry/furniture stores can offer small credit accounts.  Only use this if you are buying something that you have the cash to pay for (ie: a toaster, a chair, etc).  Establish a credit account, and pay off the balance as soon s you get the bill.   *Do not close the account*.  Letting it stay open with no negative activity is a good thing, especially for new beginners.\n\nSecured credit cards are low limit credit cards offered by most financial institutions, where you give the bank a deposit of x, and they give you a credit card with a limit equal to (or in some cases, slightly higher) than your deposit.  IE: You give them $500 on deposit, they give you a credit card with a $500 limit.  As time goes on, (and your credit improves) you may get a higher limit, or they may offer to convert your card and give you your deposit back.  Secured accounts aren't treated any different than regular credit accounts.\n\nPolicing your spending habits (don't buy things you can't pay for), making your payments on time, and letting time take its course will help rebuild your credit.
1050091
Yes, find someone who will hire you.  Get a job and pay your debts.
1000135
I'm actually in a similar spot... I can never seem to get ahead. The first thing you need to do is take out some paper, as well as all your pay stubs and bills. Right down exactly when and were you either got money, or spent money. I don't know how you're using the money you get (if all of it is going to debt or not) but if you have outside expendatures like clothes, food, movies, etc., you might have to cut back on them a bit. It sucks, I know, but a lot of times my money goes places I don't think about because I'm too tired to get food, or it's just ONE movie, but it all adds up in the end.\n\nAlso, don't pay off all the bills the day the bill arrives in the mail. Make sure you have enough money just for essentials and then send the money out. A lot of times sending the bill back right away can result in big overdraft fees when you find out you paid the bill, but don't have enough money for gas.\n\nIf you're doing everything right and still can't figure it out, talk to your credit card company or bank about your debt. They may be able to work out a special payment plan until you get back on your feet. Banks and credit companies don't like selling off debt to other collectors, so even though they can be "evil" they also want to keep you as a customer and may be willing to work with you to bring down your debt. Essentially, just live as low to the ground as you can, just getting essentials and not spending anything on any cards you may have debts on. Also, carrying cash instead of using debit cards or writing checks is great because the money is in your hand and you can see literally where it is going. Best of luck
683163
Okay - I can't really help you collect on this debt other than to document EVERYTHING - copies of all letters, dates of calls, names of who you spoke to, etc.  However, in the future, if all possible, get at least half up-front BEFORE giving your service.  Be sure all your invoices go out with "terms" clearly marked.  Perhaps offer a discount for paying within 10 days - common terms are 10%Net30 and large companies tend to take advantage of that - and you therefore get paid quicker, keeping your cash flow running smoother.  Good Luck collecting on the deadbeats!  Don't let them get away with it if you can help it.  If worse comes to worse, your accountant will be able to write it off at the end of the year.
710827
This is just a surface problem - I would assume your debt goes a lot deeper.  Visit the National Federation for Credit Counseling for some help with what direction you should go in to get yourself out of debt.
730399
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.
324464
concentrate on paying off your highest interst loan first, like a credit card that can be 18% or more.  then pay off the 2nd highest debt, etc.  you have to make more than just minimum payments to make any headway at all.
420420
It's Simple...\nStart paying on your bills\nGet your bills consolidated\nFind information on controlling your debt.\n\n        Good Luck!
212127
Have you tried working with those you owe money to?  Many times, if you just call and explain that you are willing, yet unable to pay off the bills, they will work with you on the debt.  Sometimes by lowering the total debt, sometimes by reducting interest rates. Sometimes by removing penalities and fees associated with non payment.  \nBy the way, I think it's great that you'd rather pay for your debts than file for bankruptcy.  Too many times, people just give up and file instead of toughing it out and paying their dues.  You'll feel so proud of yourself in the end.  Good luck!