From 2006 to 2008, I was homeless and was experiencing an involuntary marital separation (locked out of home) and then a divorce. I was not able to secure permanent housing until 11/08. I incurred a lot of debt. During this time, I had to refinance a secured loan that I had with my ex-husband from one loan to 2 because he did not want to pay his portion. Since I was living out of my vehicle and they were threatening to take it aware, I freaked and signed another loan agreement that hiked the interest rate to like 29% and tacked on and additional $2000 in finance charges. A few years later, I realized what had happened and tried to go back to the lender to fix the issue. However, you know they played stupid. In this process, I have incurred significant debt including payday loans, IRS and medical expenses. I've been on my job for 10 years and make decent money. I just need to consolidate the debt so I can focus on one payment and get ahead. Do you have any suggestions on lenders for people with poor credit? I really need some major help...
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