I am needing advice on how to keep from filing ban

I am needing advice on how to keep from filing bankruptcy and improve credit score. I am wanting to get away from my current loan company with high interest rate and lower the monthly payment so i will be able to afford to make payments on time and rebuild my credit

2 Answers

In order to obtain an affordable repayment plan you'll need to prove to your creditor that you're actually capable of repaying it. I'd really like to know the nature of your debt before I suggest anything.

What type of debts do you have? If it is a mortgage debt, then you can refinance your mortgage with some other lender and lower your monthly interest payments. If it is your credit card debts, then you can negotiate with your credit card companies so that they offer you an affordable repayment plan in order to pay off the debts.

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