Internet's first get-out-of-debt community - 136,000 members

Posted: Fri Jul 06, 2007 3:42 pm Subject: Need a Personal Loan

My husband and I have been applying for personal loans and have been constantly turned down. I stumbled upon your site and read about so many people who are in the same position. Due to loss of employment last year, we are desperate to secure a 7,000 personal loan. We own our home and is in grave danger of losing it.
Please provide any information that will be helpful. Thank you

Posted: Fri Jul 06, 2007 4:14 pm Subject:

What kind of debts do you have for which you need a personal loan? You may consider a debt management plan in which you will have easy monthly installments to pay off the bills with your creditors. The dmp company will get a lower interest rate with your creditors and waive off most of the fees. Speak with a debt counselor referred by this website for your options.

Posted: Fri Jul 06, 2007 5:26 pm Subject:

go to prosper . its a web site that loans money. its very real. i have a loan through them. put the 3 w's before and the dot com after. it works.

james

maddancer · Posted: Sat Jul 07, 2007 6:52 am Subject: Thank You

We have no credit card debt just mortgage & monthly bills. We have sought credit counseling to help us budget and get on track in the future but we need to get out of the rear.

Posted: Sat Jul 07, 2007 10:34 am Subject:

I have applied with prosper, also. Jamesscarlet, was it very difficult to get your loan? Unfortunately because I'm in a severly rate-capped state it wasn't funded. I've only tried once, though. Do you think it's worth it to try again. I spent alot of time on my entry. I also thought their terms were fair and seemed legit.

Guest · Posted: Sat Jul 07, 2007 12:05 pm Subject:

yes I do. There was a lot of paperwork to fax to them, but it was worth it. My percent was 24 then it went down to 22 in IL. I tried once, and got it. My fico score is below 600. I got my loan in sept. last year, and pay 84 a month for 3 years. I was loaned 2,200. I was glad. Give it a try and donkt give up.

james

Posted: Sat Jul 07, 2007 2:58 pm Subject:

Welcome to the Community Very Happy

I feel a little bit different, I guess. I have been in the get-a-loan to keep me out of debt, and got in further. If there is any way to not do that, I would try it. If it is possible, try to get a temporary second job and see if that helps. My husband and I did that-and we aren't spring chickens, and it has helped us climb slowly out of debt. Good Luck to you, and feel free to ask questions..Karen

Posted: Sat Jul 07, 2007 4:08 pm Subject:

you know, after thinking about this, it is better not just to cover up your debt with more debt, another loan. I got that loan becuase I was desperate and did not know or think about consolidation. I would go that route first.

james

Posted: Wed Jul 11, 2007 7:43 pm Subject:

I have all my past due bills in a debt management program now. Just started 2 months ago. It works very well...I make one payment a month and they handle everything. 2 of my credit cards have already agreed to lower the interest rate and remove some late charges and over limit fees. I highly recommend it and wish I had done it sooner.

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