Help Debts

Posts Tagged ‘getting a loan’

I live in NZ, and am having trouble getting a loan as I went under the No Asset Procedure (lighter form of bankruptcy). I was discharged from the NAP august 2009. However I am in need of a debt consolidation urgently. I do have the means to service the loan,(just not enough to pay all my bills upfront.) but I do not have any security or guarantor aswell as the bad credit end of it. I have tried almost everybody in NZ but had no luck.. Do you know If there are any companies in another country who could help?
please no scam loans who get you to fill out the paperwork then expect money upfront, I am Desperate but I am by no means stupid!

thanks
and do any of you people (besides madman) require a western union or bank transfer fee before I get to see any loan money….. this screams SCAM! did you not read the above info?

I have about ,000 in unsecured debt from credit cards. I plan to pay two off soon, but that still leaves about ,000. I am paying the minimums and have a good credit score (730), but my interest is so high I’ll never pay it off.

My first thought was to go to consumer credit counseling services but since I am not delinquent I don’t want to negatively affect my credit at this point. So, I thought I would go to my bank and get a loan to consolidate. Should I go for a personal loan or a consolidation loan (my bank is Chase)?

Also, two of the credit cards I carry are Chase credit cards, will this hurt my chances of getting a loan? Any help will be appreciated!! I am willing to cut corners, make some extra money etc. to pay off as much as I can. I have cut up my credit cards and not used any for over a year but I am still overwhelmed. Help please!
I am currently paying about 0 a month just minimums, interests rates all around 20%. If I can pay any less than this a month at lower interest it will help no?

We are planning to rent our town home (would take a large loss if sold) so we can build on land that we owe free and clear (no debt on 80 acres). We plan to use a property management company to manage the rental. The question is will it be hard to qualify for a construction loan/mortgage? Or will the bank take into consideration the townhouse is being rented out and include some of that income when doing the debt to income ratio? Also will having a property management company run the rental increase are chances of getting a loan. Both my husband and i have credit scores over 700. Thanks for any advice.
Our current mortgage is the only debt we have, we have no consumer debt.
In response to taking a loss over an extended period: we wouldn’t take a loss because the rental income would cover the mortgage. Repairs would be minimum and in ten years if we wanted to sell "who knows the market might be recovered".

I have some amount of unsecured debts & the high interest rates is killing me. I am thinking of getting a loan to pay it off but I am currently unemployed & wouldn’t want my spouse to get involved. Although, I am receiving monthly allocation from my spouse. The question is, Can I get a loan with a considerable interest rates that will not get me broke? Help please… Thanks a lot!