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Say, you were doing well but a company laid you off/Downsized you from work. Soo, you get no flowing income for awhile.Now let’s say our Phone and rent are due soon, so what do you do? Take out one of those cash advance Payday loans. Then after awhile, you still don’t have a job due to the fact that you kept listening to a union rep saying you will get another job and it doesn’t happen. So now you have a Payday Loan bill, Your Phone, and Your rent do on the 29th of december.
Now lte’s say days before that, weeks even, you have been trying to apply for personal loans (online and off) and tryiong also to get other payday loans, but do not get approved due to continous applications. When you find some online personal loan sites, you can’t get improved for those (which would work wonders if you did) because your credit is to low.
So you actually have a chance to get a job interview but your phone is turned off all of a sudden (cell phone). So then, you try looking for loans for bad credit. After hours of searching you eventually find said site that can help you BUT your credit is lower than bad that lower credit sites.places wont give you a loan. Everything else you find is either a scam or will cause something like bankruptcy or related.
So now currently, you are running out of time running out of options, everyone is LITERALLY to greedy or self absorbed to give you a cent, you sold what was valuable and what you don;t need and what you have to sell online would take to long to get money for and everything must be paid off my the 29th of december in the afternoon and you probably have only 1 or 2 days after that before your life becomes ruined beyond repair.
At this point, now the Phone is threatened to be permanately turned off in a couple days, you hve a job that may call that may not reach you at any minutes, a Paydaloan bill that you couldn’t pay and rent due.
I need 800 for things to be 0 and at least $ 450 to delay defaulting on everything on the same time. What solution is there online to get out of this immediately? I don;t know what do do, noone in the family lives near me in the same state, I have nothing to sell, I have no idea what to do and I am completely stuck. When I tried to ask for help people just mke fun of me or laugh and make stupid jokes and sometimes I am tempted to do some wrong things at the same time.
I hope there are legal answers, i stayed clean the my whole life and am way too young to me having this problem, I have no idea hw this happened, and any emergency solution would be a godsend.
UPDATE: To address some answers so others won;t be confused, I have assistance from the Gov. on the way, but still to long. I need this situation disolved or it almost won;t matter.
Sites like Prosper have a 600+ credit limit, and while I was panicking I kept applying for loans and of course brought my credit down, and I have not found an alternative solution since.
Othere areas won;t help me because the amount I need it too small. 800 to pay off everything and 450-500 to delay it. Both are not in the usual 1,200 dollar range, so i am stuck.
UPDATE 2: A lot og GOV programs won;t take me in my age range, and I do not have enough money to declare bankruptcy, and things and companies that assist won;t do it because the amount is not considred ENOUGH for serious help. But with already low credit, 3 bills defaulting on me (technically 4) will cause a severe crash in my life. It’s already one day past and one or 2 more and It may be all over.
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