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I owe $60,000 in charge cards from renovating my house. Because of my income to debt ratio being on the flipside, I am unable to secure a personal loan, home equity loan from my own bank. I have seeked another lender who does not follow guidelines and still cannot get a loan. I pay evrything on time and was only late on one mortgage payment but otherwise everything is good and my credit is good. I just need to secure a loan to consolidate my debt so I make one big payment a month and know I can pay this off within 5 years!

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