cannot pay personal loan

You can get some online professional advice. Try to find out in the internet.

I have articles on Free Your Debts, Ways to avoid bankruptcy. Get advice from debt consolidation or debt settlement. Will it affect my Credit Score / FICO Score? More Information on link deleted as per forum rules - Jason

debt settlement may be able to help you with your credit card debt and your personal loan, but it probably cannot help you with your student loan. Caring for your disabled mother may count as a "hardship," which is typically what you need to have to qualify for debt settlement. Since you live overseas it may be difficult to find a debt settlement company that can help - I'm not sure how the laws work in that regard. I would suggest calling around to different debt settlement companies (unless you think you can afford credit counseling) and see if you qualify. Debt settlement does harm your credit so only pursue this option if you don't plan to take out another loan in the near future.

Thanks. Yes, the problem I am finding is that since I live overseas, my options are more limited. I find that most options require that I live in the US. Can anyone tell me where to find a debt settlement agency, like a good reliable website source? Calling around is not an option since it costs 30 cents a minute to call the US from Mexico. I appreciate your feedback.

Oops. I accidentally posted the response 3 times. Does anyone know how to delete the 2 extra responses?

I deleted the extra posts for you! :D