Contact a bankruptcy attorney, the initial consulation is usually free and they can help even if you do not file for Bankruptcy.

Debt consolidation loans only dig you in debt deeper.

You need to not worry about getting a loan unless it is absolutely necessary and start paying off your cards. Have you tried doing balance transfers with 0%APR for 12 months or things like that to at least give you some sort of temporary, minor relief. I’d start paying off those cards though before you start seeking out more loans to build credit. Even taking a loan out to pay back to build your credit will do your credit score little good if you have lots of cards and lots of debt.

Another loan is just more debt. Get a second job and start paying that crap off. Otherwise, file bankruptcy if it’s more than 30K. The school loans cannot be bankrupted, but the rest can.

was every helpful for me a mother of two boys.

Mary

You have two options Bankruptcy or

Make a budget and stick to it, do not spend anymore on credit either cut up the cards or freeze them in metal containers so that you won’t be quick to throw it in the microwave to unthaw and spend. If you really need it you can leave it on the counter for a bit and by the time it has thawed you can decide if what you want to buy is really worth it.

I know it ***** but live within your means. If you are putting money onto credit cards, taking out payday loans or anything like that then you are not helping yourself. NEVER use payday loans if you don’t have to, they end up costing you way more in the long run.

Add up all your debt, take the highest interest first and then start to pay $5 to $10 more a month and pay the minimums on everything else. Negotiate with collection agencies to make a payment plan and then pay it every month ontime. If you have to pay late call them and let them know the circumstances, but don’t expect them to bend too often. When your credit card debt is gone don’t look at that as free money, put it back in to pay off your other debts.

Don’t kick yourself about student loans you are bettering yourself and trying to make things good for your baby also. Pay the minimums and if you are still in school when you are done paying the credit cards or other debt, pay your interest This is exactly what a credit debt solution agency would tell you to do.

Don’t forget to pay yourself also. Try to put some money away into savings even if it is 20 a paycheck. Keep track of all your spending for a month and see where you can cut back to help with your savings.

If money is tight you might have to look at getting a different job or adding some extra income someway, maybe take on a daycare/nightcare position. An extra $100 a month goes to help a long way. And there are always people looking to have someone watch their kids, but the swing and evening shift workers need it the most because so few people are willing to do this.

Bad credit debt consolidation loans are quite popular with those with poor credit history. If your loan application is rejected by a lender, bad credit debt consolidation loans are there to help. If you want to repair your credit history by repaying a loan, which has simple terms and low monthly installments, again bad credit debt consolidation loans are for you. They save you after rejection and help you regain your financial credibility, so that you can again enter the mainstream credit market.

Bad credit debt consolidation loans are of two types:

1. Secured bad credit debt consolidation loans:

These types of bad credit debt consolidation loans are secured by a collateral usually some property or a guarantor. Since, the lenders find something to bank upon in case you default on payments, the interest rates on secured bad credit debt consolidation loans are cheaper, the lending amounts are higher and the repayment period can be long.

2. Unsecured bad credit debt consolidation loans:
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