I don't have good credit and really need the money

Hi georgette

Don't take a loan if you wish to use it for paying off your past debts. Instead, consolidation program will a better choice as you don't have to pledge your property against it because certain loans do.

In the consolidation program, you can pay an affordable amount each month and that will be paid to your creditors. So, your creditors will appreciate that you are paying off your past debt with responsibility and improve your credit file. Most of the financial charges, late fees will be deducted from your due amount and this will make your repayment process easier.

Take a consultation from the experts and you might be interested in using the benefits of this program.

http://www.debtconsolidationcare.com/benefits.html

Do let us know your feedback after you have taken the consultation.

Regards
Roxette

the loan wouldn't only be for past debt for the rent and bills that are still coming in while my fiancee is looking for work. i have full time job but it isn't enough to pay all the bills and like i said i have bad credit.there just doesn't seem to be a light at the end of the tunnel.

There is light at the end of the tunnel. I am saying this through my experience in this forum where I have seen many people like you going through the financial ups and downs.

As you are having a full time job, the consultant will offer you some repayment options that will suit to your present financial situation. You can choose the plan that suits you the best and get it started.

And like I always say, bad credit always requires immediate repair so that the lenders can view your file with dignity. A good credit file shops the lowest rates of interest and vice versa.

So, take a consolidation program to make your repayment process easier and improve your bad credit. I predict that the counseling will be helpful to you.

Regards
Roxette

thank you so much for your time and advice

georgette, let me know your decision after the counseling.

Take care
Roxette