What can I do

It seems you have contacted banks for some purpose or other? What are you searching for? Are you looking for loan to pay off your debts?

Let me tell you, a new loan to pay your existing debts is not a wise idea. It will elongate the period of your indebtedness. Why don't you consolidate all your unsecured debts? Consolidation is an easy and simple process. Members of this site have received immense help through consolidation.

Always feel free to ask your questions here.

See what happened is as follows. I worked in a dealership selling cars. Untill last year September I was doing so well, but when the DP and his wife who was the fleet sales and I had to do herwork while they went overseas. I had to beg them to pay me. Therefore I waited 3 months for my money but as you know 3 months is a long time and I am the only bread winner then. So I was black listed and I would like to consolidate my debt but I do not want to go under administration, cause then I cannot buy my house that I've been dreaming about. so R21 000-00 is not a lot of money but to lend it from the bank it is a problem

Hi charmaine

I feel for you! Keep your dreams of buying a house alive. You can do that after you have done some repair to your credit. Your scores will go higher after the debts are paid in full. Take a free counseling from the consultant and discuss the present situation. He will work out your payment options so that you can become debt free and fulfill your dreams. :)

Hi John

Thank you for believing in me as much as I believe in myself. I have to admitt one thing. Without God and the strenth He has given me and the way He looked after me and my family was and still is great. I also no that I will survive I Maybe just needed some advice like yours! Thanxs Again