Financial Help

[TinkerbellSwt]

Does anyone have ideas on how to get some financial help? I cant get a consolidation loan at a regular bank as my credit isnt very good. I had declared bankruptcy about 4-5 years ago due to my divorce, lots of money there. I just tried a money management thingy online, basically she said to declare bankruptcy. I dont want to do that.. even in another chapter. I dont own a house, the only thing I have is a car payment besides normal household bills and my stupid credit card bills. I dont even owe much compared to some, only 5500.00 but I am on permanent disability and dont make that much. The managment company said I need to make another 414.00 a month just to meet my finanacial needs.

I just am wondering if anyone has any advice or a consolidation place they have used that you dont need perfect credit for..

oh heck.. or any advice at all!!

Thanks..

Stephanie

[CarlaB]

Is there any way to get a different car where you won't have a car payment? Besides that, I can't think of anything off the top of my head ... sorry. I hope someone has some better answers ...

[mn farm gal]

It may be possable to consolidate your car payment with the credit cards which would both be at a lower rate? I don't know how much you have with both, but some credit card offers no interest for a year and/or low interest for life of low as long as paid on time each month. Other than that I am not sure. Is there something you could do from home even if it was very little? Sorry not much help.

[Jestgar]

Have you tried calling the credit card companies to see if they will decrease or eliminate your interest? Some will just to keep you from defaulting on all the payments.

Short term room mate?

Any bills you can eliminate? Cable? Magazines? Cell phone? Internet? (OK, maybe you need that one for sanities sake.)

Call your bank, see if they can offer you a better rate on your car loan.

[CarlaB]

Internet? (OK, maybe you need that one for sanities sake.)

I have a laptop and went months when we first moved using free internet at Panera Bread and Buffalo Wild Wings. Of course that depends on what kind of computer you have.