Hello, I have good credit and I am not late paying

Hello, I have good credit and I am not late paying my debts but I owe about 40000 in credit card debt and was wondering if a consolidation loan would be a good thing for me? My interest rates are around 10% but I find it hard to pay things down now

2 Answers

Go to a credit counseling agency and let the certified credit counselor handle your problems. If they find that you can't manage your debt issues on your own, they will enroll you in a debt managemetn program. This may help you out!


It is not likely you will qualify for a consolidation loan unsecured.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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