ForumsFinancing Tips

It's very admirable that you want to pay off your debts, instead of just bailing on them via bankrupcy. The sad truth is that with bad credit, paricularly in these hard times, you're going to have a very hard
time finding someone to take a chance on you and fork over cash when you apparantly have a documented history of not paying back oboligatgions as agreed to. About your only chance for a loan would probably be frfom a very close relative. Beyond that, you just need to keep paying off your debts as best you can for as long as it may take, and take your medicine like a man. One thing you could do is perhaps negotiate with your debtors to lower or eliminate your interest rates so that you can pay the debt down faster by applying more to principle and less to interest monthly. And you are smart and astute to be very skepticle of the credit repair scams, which most of not all of them are.