i need advice :(

You must realize that any 3rd party you choose will have a negative effect on your credit. Do not listen to anyone who tells you different. You also must realize that in order to get out of debt in a time frame less than 50-100 years, you will need a 3rd party or borrow from family or friends with a much lower interest rate and no fees. If you have no available resources, you are stuck with having to use a 3rd party.

Your good credit was what got you in this position. In order to eliminate it, you need to make sacrifices and your credit will be compromised. There is no painless way around it. Sorry.

Hello ryannlacylucks,

Taking one loan to pay off another usually does not work. A better solution would be a loan consolidation. Is this a credit card debt or...?

Ryann, please tell us exactly what kind of debt you have , so we can better help you

kas this is an old post, over a month old so either they have registered or have gone away!
:(
Ang