well, I don’t promise anything but
here’s two links that often get me best answers:
and here
you may also pass them around and help anyone get rid of their debts, people always seem to find help via these links so spread the karma and get points.
good luck!

Please don’t ask your friends and family. Get a second job to help with paying them off, get on a budget, stop using the cards.
Another option might be is go to and request a loan there.

As far as borrowing from friends, bad idea…if you can’t pay your debts now, please realize it will be even harder to pay your friends back.
Last October, I had finally had it with the credit card debts… I joined credit counseling, and in return, they brought my sears down from 29% to 9%, same with best buy, and And a credit card I had maxxed out at $21,000 down to 9.9 percent. It has made a big difference, doing credit counseling. They take out our money for thee bills on the 25th of each month. We will be in credit counseling for 4 more years, then we will be debt free.
I have seen a big drop in our debt since last October.
This is who I use…

no because if you did not show responsibility in paying the credit cards off and running up bills you will lose your friends too when you do not pay them back . Your friends are obviously very responsible and they probably think you are a loser for getting into so much debt anyhow so they probably will not help you especially if your family won’t help you . If your boyfriend loves you maybe he could help though as he is living with you .

If your having problems paying your monthly minimums, this might help give you a little extra money.

Click this link. It’s great. I’ve been doing this for a couple months and it just depends on how much time you want to spend with it. I only work on this about an hour or two a week and for the first couple of months Ive already netted an extra $500 per month.

I know this doesnt sound like a ton of money, but for a little time as I invest in this the return is great. AND the best part is the return isn’t month to month, the return is comprehensive. That means the $500 I made this month will only grow bigger the more time I put into it.

Be skeptical, its natural. However, give it a try, I think you’ll be suprised.

CLICK —->

Friends can get you out of this situation. But if I were your friend, you would not give you any loan because had a bad habit of spending money. You can not be afford paying back a bank, how can you pay back your friend?

You need to do it by yourselves. Your bf pay the bills and you pay the loan. If you can do that, I bet you can own a house very easy.

If you fail to meet obligation it would absolutely ruin your friendship. Also some friends may feel uncomfortable being asked. It would all depend on how much you’d be asking for. And your reputation with money in the past.
Another thought is if you have been current on all your credits with no late payments for longer than six months, Than you have a few option:
1.) ask your credit card companies to lower you rate.
2.)Apply for a new Credit Card, that is through a company with which you do not currently have. There are usually millions of offers in my mailbox asking me to transer my balances from one card to another for and 12 month introductory offer that could be as low as 0%
3.) Sometimes the company that owns your Credit Card Company also offer debt reconcolidatioin loans. Which would give you a guaranteed end date, and a lower rate, while also lowering your payments. I know that Capital One, MBNA, and Citi cards all offer that.

If you serious cannot pay $20 or $30 dollars extra a month, then ask someone. It can ruin your friendship if you don’t pay on time every month. I would really try to pay extra each month then put that type of stress on a friendship. But you have to figure out what’s more important to you.

There are a number of non-profit consumer credit counseling services that can work to reduce the interest rate and/or change the payment schedule.

Type “consumer credit counseling” into Google and you’ll see. Most are free or very low cost- and then you can avoid personal loans from friends who I hope you’d like to keep as friends.

Bad Credit Loans
By: Matthew Bourne

Keep your friends…look around for a better rate. In this site you can research some companies that might be able to help.

Good luck!