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Zach022591

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I am in a lot debt. Suggestions on how to help other than bankruptcy? Personal loans?

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Bankruptcy will hurt your credit score for much longer than unpaid debts.  I suggest doing a search for Dave Ramsey.  He has some very workable ideas for getting debts cleared up so your credit can improve.  With a lot of debt showing on your credit scores, the chances of getting a loan to pay them off are pretty slim and/or the interest rate would be very high.  Also, you want to check all three credit reports to make sure the debts being reported are actually YOURS. because errors are not uncommon on credit reports. Go to annualcreditreport.com to get copies of all three reports.  It's going to take a bit of time and effort to get this cleared up but you can do it.

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