Debt Consolidation Loans Nj

Can somebody honestly answer this question?Where can someone with bad credit get a debt consol loan in nj?

With what happened in the the past few years my wife and i have fallen on hard times and want to get back to where we were. We tried getting loans and were refused because our credit scores went down so low. We tried a consolidation loan on the internet and got screwed.We paid the fee and never heard from them again.So know i come to the people who would know. Please help i really do not know how to get a debt consol loan because of our bad credit. Just want to pay off everything with low monthly payment and start getting our finances and credit back in shape. thank you for any help.

You won’t find one on Yahoo Answers (or anywhere, for that matter) What you will get here are offers from the same types of people who want an up front fee and then you never hear from them again.

You and your credit are radioactive to any lender. You just cannot get a loan if you have bad credit. You know this! That is why no one will touch you. You have to increase your income. That means you and the wife getting 2nd jobs and putting all that money towards this debt you have. If the debt is that massive, it might be time to talk to an attorney about bankruptcy.

Getting a loan to pay off a loan is not how you get out of debt. It is just putting a bandaid on a gaping wound.