Debt consolidation with bad credit

**co08** · 04-15-2008, 11:41 AM

Is this even possible? To get a debt consolidation loan ($35000) with bad credit? I don't really see any other option at the moment. Maybe CCCS, but how does that really work? How long does it take? I want the loan because I could use the extra to buy a car and therefor get a REAL job instead of only being able to get what I can walk to. I desperately need a car, as I can't do anything with Michael(3) and Taylor (4) without one because Chris is working all the time and even when he isnt the truck only holds 3 people.

Any suggestions on companies for either option? Thanks!

I love my Soldier

**kettlecorn** · 04-15-2008, 11:57 PM

There is a difference between debt consolidation and CCCS. Debt consolidation is basically putting all CC debt together and paying it off with one loan and then paying on that loan. I am sure you will have to have decent credit with that. CCCS is a debt management company. Credit history does not matter. CCCS negotiates better interest rates with your companies and you make one payment to them and they dole out the money to the different companies. They are basically your advocate. HTH!

**christina33** · 05-03-2008, 01:20 PM

In CCCS for two years now .. 20 months left to final payoff. I think it is much better than debt consolidation. You can search for my previous post on the subject...I gave a lot of in depth info.