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Debt consolidation
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Long story short, I've gotten myself into a little pickle - went a bit nuts with credit cards and buy now pay later whole manic. Upshot is that it lead to a diagnosis and treatment for bipolar. Downside is I'm kinda stuck in a rut living pay to pay. I have just under $21k in debt - $10k of which is the residual of a personal loan for a vehicle. I applied today to Harmoney because the reviews seemed alright and they market themselves as a financier that helps people. But I was knocked back. And surprise surprise no reason given. It's already shown up on my credit report. I am now considering the likes of NAB or Great Southern Bank (who I currently have my vehicle loan through). Would I have better luck with one of these bigger banks? Or will the recent decline on my credit file likely fuck my chances? Apart from the last 2 months I have paid the minimum repayment or more on the credit cards and BNPL, but illness in the last 2 months and a bit of a relapse into depression lead to missing payments. I've reached out to the credit card providers to discuss options to see if they can remove any missed payment reports from my credit report or something to work with me. Anyway, any ideas people? I can provide a clearer idea of debts with numbers and rates if needed. |
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Re: Debt consolidation
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Surely those who have already been in a hole in debt know how difficult it is to get out of it. But do not despair ahead of time, because there are priority plus financial reddit reviews. These guys can help you get rid of your debt. Yes, they charge a small fee for this, but this is much better than paying off huge debts to dishonest loan companies. |