Debt Consolidation

Hello everyone, I have a question regarding the debt consolidation. I have about 15k dollars in debt and we have tried applying to two companies for a consolidation loan debt and has been refused twice. I thought to try what one of the other posters suggested, writing to the individual companies threating a voluntary bankruptcy order. I have about 10k in the bank, but I do not want to borrow from that lender because I would not be able to use the money in my account. My credit is only good. What other options do I have? Thank you

If you have 10k in the bank, why not use half of your debt. This would make things much easier to manage.

Then you get a written budget and the 7500 attack others.

It is widely observed that when it comes to addressing the debt problem, people face various problems, as very few companies debt consolidation really help people in consolidating their debts to the ease.

http://www.debtconsolidationforuk.co.uk/ Flag

The purpose behind debt consolidation is to reduce payments or interest rates. You make a single payment to the loan payments instead of monthly.
http://debt-trap.com/category/Debt-Consolidation-Basics.html Flag

It is a great place to go with this. I was in a very similar situation.

He is getting help from real people, without using banks or credit card companies. Good luck!

http://www.prosper.com/join/lzc5wh

I'm in the same boat ... 15K debt. I did not bother to try to get a consolidation loan because I already knew I would not be approved. What I did do is like going to the Money Management International since I did not want to declare bankruptcy. http://www.moneymanagement.org I signed up for a plan of debt management. This plan is similar to bankruptcy is that you can not take credit cards (all accounts are closed) and you can not fund anything.
Differences ...
1) no bankruptcy "on your credit report for 7 years or more.
2) completely optional. You do not have to include all creditors and your creditors do not accept any proposal. Due this month on 1 or two may be a little hard on the nerves.
3) You can terminate at any time the plan. ... But creditors will demand full payment up front about everything and should not count on them to be ready to do much.
4) If you miss a payment plan on debt management creditors can (and probably will) cancel their participation if they so wish.

forget the debt consolidation and any quick fix they both look as bad as the bankruptcy of your file == 5k out the bank and paid on the debt and keep your back for 5k other funds of days rain, then reduce the size == - computer and Internet service and cell phone service and cable TV goes live --- so that kind of life until you credit gos North and you 5k back in the bank! makes him look like a prison sentence, but until you pay your debts you stole money from the people of your owe money to. "

Debt consolidation is an option, and you should consider the issue. Just be careful what you're getting. Some plans, because of their high in April you get more trouble than you.

In addition, some lenders look bad on it later. Some institutions believe that it is really a black mark. He W.