Please only serious answers?

I have some debt that needs to be paid off pretty quickly. My credit is so so, not good enough to take out a personal loan, I have no co-sighner, and nothing for collateral. I need suggestions on a way to pay off this debt. Do I try to consolidate or what? I am leary about using consolidation companies with the high interest and just the whole idea of it. I need about $5,000 to completely wipe out my debt. I appreciate your suggestions. Thanks so much

Start with a budget. A written budget. Every month. You will feel like you got a raise. I started a written budget about six months ago. When you write it down you can see where the money is going. You can tell your money what to do. But, you have to stick to it.

for more good advice on money and debt go to daveramsey.com and listen to his radio show or you can find a station near you to listen to.

Try a consolidation loan through your bank. The interest rate is negotiable.
i would suggest a 0 APR credit card. if you only have $5000 in debt, you more than likely will qualify for a credit card. there are a lot of credit cards that are doing 0% balance transfers.

at the very least, this would buy you some time to try to improve your credit or come up with a better long term solution.
research non-profit credit counseling services. you'll most like pay for the administrative fees. or borrow money from family.
call all the companys and see if u can make a payment plan or a settlement with them and this should help u.. and Good luck
I used Consumer Credit Counseling Services several years ago and they worked with my creditors to lower both my monthly payments and my interest rate. They are a free service and I was debt free in 36-months.

You may not be enough in debt to qualify with them, but it would not hurt to call and check.
Finance Manager for over 7-years.

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