Brad M asked:


I am very desperate to come on here and talk about my financial situation. I need approx. $20,000 to consolidate credit card debt… I do not have enough equity in my home (just bought it last year), I have tried personal loans through Capital One and Chase and have been denied. With Capitol, I even had my father co-sign (he’s got excellent credit) and it didn’t work. I have NO WHERE ELSE TO TURN. I need help, if anyone knows a forgiving lender who will look at my situation, or any other way for me to reach my goal, PLEASE let me know. Please do not refer me to a credit counseling program, for I don’t use my cards anymore, I just have been paying on them for 3 years and trying to speed up things. I know I could just keep paying the most I have on one card and work them down, but I am looking for debt consolidation OPTIONS. Like a bank or organization that would help. Thank you so much for your time in advance!

Duane

KenCosgrove asked:


I got an offer from Capital one to take out a 10,000 personal loan, requiring no collateral at a pretty high rate. Kinda need the money for moving expenses and feel like I can pay it off well ahead of schedule. But will this be sabotaging my credit?

Denise

vikasintl asked:


we have 3 credit cards and 2 of them carry a debt of 6500us$ each reaching max. credit limit of 6500us$ from bank of American and one credit card from capital one having 2000 debt…
we want to know what is the best way to get rid of this debt of around 15000 us$?
best way is accept balance transfer offer from other card issuer or try to get a debt consolidation loan?
Please give best solution from your experience..if you are suggesting debt consolidating loan please suggest where can we get such loan?

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