how i can get settle for my financial situation?
958991
The best thing to do is live down a bit, rent a room in a common apartment with a few friends instead of one by yourself.  Take the transit instead of driving to work and reduce personal expenses.\nOther than getting a roommate or two. you can also move to  a different town or city if you are single and have no other attachments .
784923
Try community banks. Any other type of financial institution would be willing to work with you esp. with the individual guarantees. Sounds like you should have no problem so long as the cash flow from rental income is sound.
805420
Your options:\n\n1) Get a job and quit spending so much money.  If you can't afford it, make it so you can afford it.  \n2) Delay it.  If you can consolidate your loans and roll them forward with another loan, then that's an option to delay the payments.  However, this is dangerous.  Your past history of getting into trouble is indicative that the same thing will happen when the bigger loan comes due.  If your parents can afford to bail you out, it's best to eat crow and see if you can get a loan from them.  If that's the case, then tell them you screwed up, you learned your lesson, you have a plan to get out of debt (e.g. job, a budget that you've already started and are sticking to). \n3) Default.  You can default on your loans, but this is very, very bad.  Student loans (and taxes) are the two things that don't go away - ever - even with bankruptcy.  You will still owe the money and you sabotage your credit permanently. If you want to ensure that you can't buy a car, never qualify to buy a house, get rejected on apartment rentals, get screwed on credit card interest rates.
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!
335342
Try going to a credit union.  They usually will let you sign for an unsecured signature loan if you at least have a steady job.
1165250
You can do like i did and set up a settlement plan with them.  What they do is they take a certain amount every month from your checking or savings account and when the last payment is due they pay for it.
347083
Go to the BNZ, they should be able to help you.
8495
Dealing with the bank is your best choice. You can usually ask for a Forbearance, if you have sufficient income to continue making payments. Ask for the Workout Department, and tell them you are willing to work something out. They may put the past-due payments at the end of the loan, or allow you to pay a little more each month to catch up the past due payments. Depending how far behind you are, this may be your solution. If you still have problems, there are other options you can explore.
1052735
Being in debt is not a good position to be in. \n\n1. Sit down and figure out a budget. And trim out any "fat" in that budget that you dont need.  If you are deep in debt do you really need cable tv, etc.?\n\n2.  Pay off your highest interest rate credit cards first - or try to transfer balances to a card with no transfer fees and no interest.\n\n3.  Save money by being frugal, dont eat out, use coupons, buy groceries in bulk, etc. \n\nGo to MSN Money section\nhttp://moneycentral.msn.com/Editorial/Index/homedept.asp?c=6&a=6&d=33014#ManageDebt\n\nVery good information on this site about saving money and debt management.\n\nGood Luck.
70541
Get a sheet of paper.  Wright down your income for the month.  Then make a list of all your expenses; light bill, car payment, cell phone, credit cards, beer etc...  Make sure you have more coming in then going out.  If you have creditors calling, answer, or call them.  Ask for a lower intrest rate tell them about the hard time your having and you want to set up a payment plan.  Don't be rude (you attact bees with honey, not vinager) but don't let them be rude to you.  If they are speak with someone else.  Getting back to the more coming in then going out.  You may have to make cut backs.  It's not fun.  Less nights out, hot dogs insted of just about any thing else. Make piorities.  The rent has has to be paid or your under the bridge.  If the Visa don't get paid on time you get another letter in the mail.  Set realalistic goals, write them down, put them on the fridge or some where you will see them often.  Then at the end of the month evaluate how you did and adjust as needed.  Best of luck!!
920288
I would need more info to give an educated answer that can help you.\n\nBut lets start at the bottom.  If you make a very honest effort to budget yourself, how much money can you afford to put toward your debts.\n\nYour goal is to try and pay everything off within 5 years.  So not even factoring in interest, you need about $1200 a month!  Can you handle that?\n\nIf not, then you either have to make a very serious negotiation effort with the creditors to lower your balances, or file for bankruptcy.  \n\nOtherwise, you are going to be paying off these debts for the next 10 years.  With bankrutcy, you will be out of debt in 3-5 years.  It's not the best way out of debt.  But if the creditors are not willing to work with you what other choice do you have?
521386
Call the IRS and tell them you are in a hardship situation and ask for an Offer in Compromise form.  It is not that difficult to complete .. just answer all the questions honeslty.  I use to work for the IRS and help many get their tax debits forgiven or releave for a small percentage  of the amount claimed due by the government. \n\nIf you have any question post it here and I will figure out a way to share my personal email addy with you... for more detailed questions specific to your case .....
478036
Living your current life has, presumably, put you into debt. I don't think anyone can promise you a method to get you out of debt without your making changes.\n\nThings that you can do include:\n- spending less, even if you still go out\n- making more than minimum payments on credit cards; pay more than you've charged for the month plus the interest due\n- negotiate for lower interest rates on credit cards\n- don't charge things on credit cards\n- start saving money so that you have resources should the unexpected occur\n\nYour public library should have books that help you gain control of your finances. In addition, I'm sure there are several online sites.\n\nDon't expect things to be easy, or a quick fix. But with a little planning, you can start gaining your financial independence.
572931
There are debt consolidation companies that will help you out. Also, you can apply for a debt consolidation loan from your own bank.
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.
52338
Go back to school.  Grants are available and loans can be deferred until you can afford to pay them back.\n\nInvest in your education.
911050
1) Create a budget. This will be the first step towards getting back on your feet.\nhttp://financialbasics.blogspot.com/2006/11/creating-budget.html\n\n2) Understand your credit situation. Credit is a numbers game. The more you understand it, the better you will be at managing it.\nhttp://financialbasics.blogspot.com/2006/11/credit-reports-and-credit-reporting.html\n\n3) Adopt a more frugal lifestyle. Spend less money. Kick those costly addictions (the budget will come in handy at this point)