I am a single mom with two sons. Their father does

I am a single mom with two sons. Their father doesn't pay a dime to help raise them, so I am on my own. I am in credit card debt in the amount of about $15000.I make pretty good money but need help consolidating my debt or perhaps considering settling. I'd like to try to not hurt my credit score, but my balances are almost at 100% each. So do I settle and take a hit on my score, or do I try to consolidate my cards and pay off with a loan? Not sure if I'd qualify for a loan, unless they feel my income is strong. Please help. I want to avoid BK but feel the stress.. Thank youl.

1 Answers

Unfortunately in this economy, you are not likely to get a consolidation loan unsecured, even with a good score or income.

Who do you owe?

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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