I now have reached about 16000.00 in debt

You may find a lower payment plan than the existing one if you go for a settlement program. People unable to afford the consolidation payments use this program. Since you are unable to bear the payments in the hardship program, you must get some professional advice.

debt settlement will reduce the debt into half depending upon your file status. The counselor will call your creditors and explain your financial status. The accounts will be delinquent for few months in order to express to the creditors that you have no options of paying the minimums. They will go through your file and arrange a settlement figure.

I need a 16000.00 Loan Please Help

About Me:
I am 41yrs. old, married 12yrs. to a wonderful husband, and I have 2 beautiful daughters ages 12 and 20. I love to spend most of my time with my family. My husband has been laid off from Kemco and has been having trouble the last 6 months finding a good paying job. So all of our bills have been put on me to paid for.

Explanation of Bad Credit:
Ever since I started taking care of my parents in 2000. All of my money went to their care my mother, who suffered from Parkinson Disease and my father, who suffered from diabetes and heart problems. When they both passed I had to filed for bankruptcy in order to recover for myself and for my daughters. My parents were the only ones I could depend on for help due to my husband was in jail for about 8 years and it was a very hard time in my life. I have been working very hard to eliminate debt in my life. Unfortunately, having a huge tremor in my lower area in Dec. 2006 only made my situation harder due to all of my hospital fees now and having sick leave with little to no money to pay for my bills. So my bills in the end also suffered. To this date I have been struggling from paycheck to paycheck, payday loans, and personal loans to survive. So I made a decision to get myself out of debt not only for myself but for my family.

What I Will Do With the Money Loaned to Me:
Debt I Will Get Current and Up-To-Date
Mortgage $1003.92
Auto Loan $1314.52
Electric $936.21
Gas $310.51
Water $142.30
Phone $60.51
House Insurance $1017.00
Debt I Will Pay Off
Alltel $201.15
Nextel $233.43
Dish TV $86.38
Direct TV $160.82
H.E.B $146.64
Wal-Mart $131.31
National Magazines $237.60
Chase $450.56
Aspire $534.47
CitiFinancial $758.51
Payday Loans $2408.58
Credit World $2783.21
Hospital Fees $3082.37
My Monthly Expenses:

Mortgage $450.00
Auto Loan $370.00
Auto Insurance $86.00
Utilities $200.00
Food $150.00
Total Monthly Expenses - $1256.00

Take Home Pay Per Month - $1300.00(avg.)
Plus
Child Support Per Month - $240.00
My daughter????????s half of rent, bills - $500.00

I will have $700.00 extra for Loan

As you can see I will be in a Great place where I can Finally, with your help be able to catch up on my finances, stay on track, and repair my credit rating. I am really hoping that you give me the opportunity to prove myself and grant me this loan. I will pay this loan off early and always on time. Thank you so much for your consideration. God Bless.

If you have any questions feel free to write me. at email address removed as per forum rules - Mike Thanks again.

Isidora, this is not a forum to solicit loans. A moderator will come along soon and remove your email addy for your own protection. It is not advisable to solicit money on a public forum, especially when you give your email for all to see.

If you do the free sign up, a credit counselor will call you, and go over your financial sitch. They'll explore different options, and help you get a handle of your bills. If you choose to utilize and debt management program, you are advised to research the company--BBB, your state consumer protection agency, even this website are great tools to check up on a company.

Isadora- I'm sorry, but we don't do loans here. This is a forum where you can get advice and help with debt problems. When you sign up, a credit counselor will help you decide what may be your options, and it's free. Have you talked to your utilities and see if they can work something out with you? Try the free credit consultation and see what they may have to offer..Good Luck! Keep us posted..KAren