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I do not need lecture and I do not want explain my situation because its complicated. Please do not judge me. All I need to know is if I use a debt consolidation program and it doesn’t work can I file bankruptcy.
Thanks for your answers!! I was scarred to ask because you see so many people making rude comments whent they do not know the entire story. THKS

I was looking at Bank of Americas debt consolidation or personal loan it says it is funded by FIA card services and their is a 3 percent fee for the transcaction so is this just another credit card?

I’m paying a lot less than the appraised value of the property, and even after consolidation, will be 30 – 40,000 under the value of the property….Jus didn’t know if lenders would allow this to happen?

apply for it? Does it take a certain about of debt to qualify. Please give me the low down. I have excellent credit but just a large amount of debt. I may consider this as an option.

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If you are getting a consolidation loan to combine all of your bills, how do you get approved for one, if your credit looks over extended. I am so many personal loans they are killing me in interest. All are payed on time and as agreed but I still can’t get approved to consolidate. How can I get approved?

debt consolidation and/or to pay off all debts?

I am limited with SSDI and a very part-time job. I am $6000 in the hole and the hole keeps getting deeper. I want and can pay for one monthly payment to one loan office and have the loan to pay off all my debts and to start fresh. I don’t have anyone to co-sign with me. Does anyone have any suggestions of who I can contact for financial help??!! and it being safe and secure. Payday loans charge over 100% interest. THanks!

If a person has bad credit are they better off going with a debt consolidation company or does it look worse on your credit report?