Where to go when you are completely in debt?

Question

Where do you go when you are in complete debt?

Your credit is extremely bad

You cannot afford bills and family anymore

You can't afford debt help

And cannot afford to even file bankruptcy.

And most of all, just plain broke.

Is there a place?

Answer 1

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Answer 2

parents house, homeless shelter, russia?

Answer 3

If the borrower wants to take a loan the credit history of borrower matters a lot for lender. The credit history can be spoiled by any debt or neglected payments which borrower has been casual about and directly have an effect on the interest rate which is going to be charged by lender. You can free yourself from these debts without difficulty through online debt consolidation.

Sometimes, borrower creates debts intentionally or unintentionally. If borrower pays the debts regularly then he/she may avoid the outstanding debts which directly have an impact on credit score. There are many ways where the credit scores are known likewise on FICO scale if score are lowered than 600 it means a bad credit score for the borrower. Online debt consolidation can help the borrower in getting free from all there debts which may cause obstruction in the future monetary assurance.

In the course of consolidation, all multiple debts that the borrower be indebted the lenders are clubbed jointly as one and then a resolution is looked after. The finest way to deal with debts is to take up a fresh debt consolidation loan which is also available online. These loans are available at very low rate of interest, it helps the borrower to pay off several debts at once and help to repay in single monthly installments.

Moreover, borrower can take a help of financial consultant or financial agency is clearing old debts. Reduces the expenditures, additional savings some tips have been provided to borrowers so that they can avoid debts in the future too. Online study helps the borrowers in getting the finest services sitting in home or an office.

Online debt consolidation helps borrowers to find easy solutions to there financial problems. Online debt consolidation loans help borrower to cope up the future problems.

Answer 4

i would go to work

Answer 5

My husband and I have just recently turned to Care One to do a debt settlement on our unsecured debt. We were paying the around $800 a month on our loans and stuff. We have around $20,000 of debt and they got it down to us only having to pay $175 a month. Granted it is going to take us around 52 months, but it will be paid off. It is not hurting us any worse than what we were. The only thing is, is I have some Payday Advances, and they could not help us with those because they had not got sent to collection, which they won't because these people have my checks they will get sent to the district attorney.  You may want to think about trying that.   I know what it feels like to be in debt.  For the first time in three years I actually feel like I can breath. I hope that everything works out for you.

Answer 6

The short term answer is to move back in with mom & dad if that's an option. The longer term solution is to figure out how you got into this mess. I assume this didn't happen overnight. It took a while to get where you are and will probably take a while to get out. It sounds as though you have been living beyond your means. Whether you are not earning enough or spending too much I don't know. But one or both of those situations need to be corrected. Good luck.  

Answer 7

well you are with some good company then,,

the first  place I would do is to get back in touch with your religion,, praying and starting to believe is a a big step,

work an extra job, is the next step, work side jobs if you have to sell everything that is worth  anything and use that money to pay off the smallest debt first than the next one an so forth,,

Do NOT  fall for pyramid scams,, like Prime-America,,

do not give up,, all good things come in time,,

Answer 8

lawyers will charge anywhere from $400 to $1,200 for your run-of-the-mill bankruptcy filing.  Just skip a house payment and hire one.

j

Answer 9

Try using: http://DebtAnswersNow.com

I used their service a couple months back and they consolidated all my debt and lowered my total debt 40%.