i am looking for a financial company that will offer me a personal loan to consolidate my bills.?
363439
If you're a home owner, the best way to get your hands on money is to cash out some equity in your home.  It's your money (from one perspective) and the rates will be about the lowest available on a loan.\n\nI caution you though, borrowing more to pay off your debts isn't the solution; replacing the financial habits that got you into debt with more healthy financial habits IS the solution.\n\nIn general, people in debt live on 'if-come'; they spend more than they make.  To fix the problem, you have to begin living on less than what you make, creating a surplus of discretionary income each month that you can use to pay back the money that belonged to someone else (banks in most cases) that you already spent.  In the meantime, they continue to collect interest on the money that you spent that wasn't yours.  It's a nice business considering how many people today don't see it for what it is.  Watch TV for half an hour, there will be plenty of companies just itching to make you a consolidation loan.\n\nIf home equity isn't available to you, shop for a consolidation loan with the lowest APR available and make yourself a promise to cut back on your expenses and pay the money back.  Get tough with yourself and decide what you NEED to live, and get rid of the things that made life more fun; they cost money that you can use to get out of debt.\n\nIn short, whatever your income is, it is.  Learn to live on it or find a way to make more of it.  Continuing to spend money that isn't yours is just going to keep you in debt, if not dig the hole deeper.
891638
Screw finance companies.  \n\nFind a local credit union.  This is why they exist.  \n\nYou may have to start off with a secured loan, maybe even a secured credit card whereby you give them $1000 dollars into a savings account and they give you a $1000 line of credit.  \n\nCredit unions will charge maybe half the interest of a finance company.
468019
Your options depend on what you need the money for and the condition of your credit.  If you need money money for a loan with collateral, such as a car loan, you will pay higher rates and need a bigger downpayment.  \n\nIf you credit is pretty bad and you are trying to get a personal loan, you will have trouble finding anything approaching a decent interest rate.\n\nIf your credit is okay, but not great you might try www.prosper.com for person to person lending.
1173074
call them all and set up payment plans\n\nor talk with a credit counseling/debt consolidation company\n\nbest of luck
808666
Go to a bank, one that you alresdy have a relationship with would be a good start or you could try a site like LendingTree .com. Lending Tree will shop your application and get you multiple answers.
682264
YOU MAY BE ABLE TO FIND A PLACE HOWEVER IF YOU WILL MAKE YOURSELF A BUDGET AND STICK TO YOUR GUNS. IT IS ALWAYS BETTER TO PAY THE SMALLEST BILL FIRST THEN WHEN THAT ONE IS PAID OFF PUT THAT MONEY AND WHAT EVER YOU PAY ON THE NEXT BILL WHICH WILL PROBABLY BE LIKE DOUBLE YOUR PAYMENT THEN JUST KEEP ON GOING TILL YOU HAVE THEM ALL PAID OFF. IF YOU WOULD GET A LOAN YOU MIGHT JUST SPEND THAT MONEY ON SOMTHING ELSE AND NOT PAY THE BILLS YOU GOT THE LOAN FOR IN THE FIRST PLACE.
1113172
I was in the same situation but I'm pretty much out of debt because I consolidated my credit cards.  I'm in a program with Ameri-debt.  If you need the phone number contact me.  They have actually helped me alot and I've gotten a lot of my family members to join and they have felt alot of relief.  Hope I helped.
398411
You are right, you do not want to keep having your credit pulled because it will make your score go down.  Are you looking for a personal loan?
582788
I, too am in a similar situation, except I'm in more debt and little older. Instead of bankruptcy, I consolidated my school loans and also applied for financial hardship or income sensitive...whichever one is used for those not making much $$ and i contacted a credit consolidation company. The consolidation company will take over all of your outstanding bills and those in collection aside from things like car and house and school loand payments.\n\nMy hospital, credit, and other similar bills are lumped into a once a month payment under $500 and will pay everything off in 4 or less years...no penalties for paying off sooner.\n\nI think going this route will show that you are taking responsibilty for whatever fianancial problems you may have and should hopefully get back to having good credit. Also, for my credit card, the consolidation company is communicating with the companies for me and will do what they can to have interest rates reduced as well as late payment fees and etc....\n\nfeel free to contact me in regards to all this if you like....
99738
Your best bet is NOT to use a consolidation company for a loan.  This will reflect more negatively on your credit.  The best bet, I think, would be to pay off your credit cards, highest interest rated card first.  Hope that helps!
608115
I belong to a company thatwrites loans in 47 states. I am an indepemdent loan officer. You can view my site at \nhttp://www.nlcofhollywood.com/jgottschall\n\nIt sounds as though this may be what yur looking for.\n\nGood Luck
450128
There are a lot of companies out there that do "consolidation" loans that I believe you are thinking about.\n\nThis type of loan often gives you enough to pay off all your smaller debts and can give you some extra money on top.\n\nNormally though they require collateral (IE a house) but a lot of the companies do take people with less than perfect credit history.\n\nStick on your TV and you'll soon find an advert for a company of this type.
590677
you can join a place where they compile a list of lenders and banks for people in your situation \nif you need more detail contact me
737763
Try Lending Tree I understand they have various  banks to choose from to make loans for all types of credit.
1172662
Actually I work for a company that consolidates student loans, I can help you. Call 1800 710 0114 first thing monday morning and ask to speak with Yvette. \nI'd be happy to help you and anyone else you know that needs help locking into to the interest rate for this year. Good Luck!!!!
503885
try Prosper.com.  If you meet a minimum credit score criteria you should be able to get a small loan with a decent interest rate and low payments
534612
use a company that compiles banks and lenders for people in the same situation as you  --- see link on my profile for more info