This extensive course and guide is well worth it for all the money saving and debt repair information it provides.

Being proactive is the key and arming yourself with information.

Hey,
there is the good news: it’s possible you can get out of debt. However there is bad news too: you have to make immediate, significant changes to your lifestyle to become debt free. You can’t keep doing exactly what you’ve been doing and expect things to get better.
You probably need some help. Check out the link below. That helped me to pay down my debt.

you should really look into a loan consolidation service, I know you don’t want to, but they really can help you and get your credit score back up to where you need it. It is totally worth it!!

Chapter 13 Bankruptcy reorganization… It will allow you to change the terms of your debt… Such as bring down interest rates… etc.

A personal loan does not pay off debt. It just moves it from one institution to another. You have to change the habits that got you into this mess in the first place. That involves living within your means. You need to reduce your spending and/or increase your income. And use the savings to pay down your debt.

There is a way you can negotiate with the companies to settle for much less than what you owe.
They will gladly accept 50% if you have cash on hand to pay within 1 week.
Note: they will not settle for less than your purchases, they will only remove late fees, and some interest charges.
There is a great book at the bookstores called
credit repair for dummies
it’s not for dummies – it tells you exactly what steps to take and how to talk to the creditors.
google debt consolidation complaint
it will open your eyes as to what they really do.
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A loan to pay off a loan isn’t going to fix your credit problems.

The best way to pay it off is to take the largest amount with the highest interest rate and pay as much of your income to it every month.

check this site for help, they helped me get a loan to payoff my medical bills