Answer (8):

 
aera

While you are thinking of how to borrow the money, meanwhile you can save some and earn some, as a plan B. Contact your creditors and ask if they will cut you a break of sometime. Meanwhile, stop your unnecessary services, such as Internet, cell phone, extra gas, etc, to save money. Eat cheaply, like rice and beans. And get a 2nd and 3rd job. Good luck.

 
prozac1853

Be careful of online banking like Sunlight Finance Group or Allstate Finance group they are scammers and imitate legitimate companies in the US . Try filing a chapter 7 and rebuilding your credit

 
Tan D

Believe you are from Singapore. Anyway the requirement for unsecure loan had decrease from S$30k p.a. to S$20k p.a. But credit card is still S$30k p.a. You can try to apply credit line from various banks.

 
PETER PARKER

Try EZCASH check it out I had friends took loans from there and they all had annual income of 18K and less. Good luck to you.

 
Dr. Deth

If you owe more than you gross in a yr, you should think about bankruptcy - you are never going to pay off a debt that large

 
me =)

do you need loan for your business?you can try view 88db site for list of company or individual offering license financing services

 
Anji R

sorry to hear that. try browsing through 88db website,you can get alot of licensed money-lenders contacts at 88db website. gd luck!

 
mister ed

you do not need a loan your need to start paying down your debt!!!