# debt consolidation questions
**URL:** https://forums.speedlife.net/t/debt-consolidation-questions/79476
**Category:** NYSpeed Off Topic
**Created:** [February 18, 2010, 7:43pm UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476 "2010-02-18T19:43:44Z")
**Posts on this page:** 20
**Page:** 2
### Author:  [@Fry](https://forums.speedlife.net/u/Fry)
#### Post date: [February 19, 2010, 6:28am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/21 "2010-02-19T06:28:45Z")
> [@burnt\_toast](#):
>
> but to answer your question, you’d probably need a personal (or unsecured) loan, but good luck getting one for 15k. If you do, good luck getting one with an interest rate that would make it worth it.
> So, as stated, time to sell some toys, Captain Grammar.
This. You’re not getting an unsecured loan for $13k, and if you’ve got $13k of revolving debt with no way to pay it I guarantee your credit is not that food.
Sell what you can to pay it down. I don’t know exactly what you have but it sounds like a vehicle with a service plan? Cancel the service plan. You have a bunch of snapon tools you bought with high interest credit? Sell them.
Interest will keep you fucked for years. Buckle down for a year and get your shit straight.
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### Author:  [@JUICEDSS](https://forums.speedlife.net/u/JUICEDSS)
#### Post date: [February 19, 2010, 8:12am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/22 "2010-02-19T08:12:41Z")
Stop spending your $$$ on useless things you’ll probably never need.
[http://www.nyspeed.com/forums/showthread.php?t=82577](http://www.nyspeed.com/forums/showthread.php?t=82577)
Not to mention all the For Sale posts that you say you are interested in buying. Did you get your Scooby statue yet ? That’s a real smart choice to spend your money on.
Use your fucking brain for once…
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### Author:  [@boxxa](https://forums.speedlife.net/u/boxxa)
#### Post date: [February 19, 2010, 8:24am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/23 "2010-02-19T08:24:08Z")
If you have a military connection go through the Pentagon Federal Credit Union. Debt consolidation loans are 7.99%.
If you arent military just donate to [MilitaryFamily.org](http://MilitaryFamily.org) and you can then join.
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### Author:  [@Eazy716](https://forums.speedlife.net/u/Eazy716)
#### Post date: [February 19, 2010, 8:45am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/24 "2010-02-19T08:45:58Z")
you can start by selling me the quad you just bought recently.
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### Author:  [@JMEZZI](https://forums.speedlife.net/u/JMEZZI)
#### Post date: [February 19, 2010, 9:09am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/25 "2010-02-19T09:09:12Z")
> [@JUICEDSS](#):
>
> Stop spending your $$$ on useless things you’ll probably never need.
>
> [http://www.nyspeed.com/forums/showthread.php?t=82577](http://www.nyspeed.com/forums/showthread.php?t=82577)
>
> Not to mention all the For Sale posts that you say you are interested in buying. Did you get your Scooby statue yet ? That’s a real smart choice to spend your money on.
>
> Use your fucking brain for once…
I’ve seen people get banned for more stupid reasons than this.
Illegaly trying to sell drugs on an open forum…you’re smart!..:bigtup:
Edit:Not you JuicedSS, the OP.
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### Author:  [@LZ1](https://forums.speedlife.net/u/LZ1)
#### Post date: [February 19, 2010, 9:11am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/26 "2010-02-19T09:11:09Z")
hmm
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### Author:  [@deebo](https://forums.speedlife.net/u/deebo)
#### Post date: [February 19, 2010, 9:15am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/27 "2010-02-19T09:15:02Z")
I hear mordark will be giving out loans
especially if you’re willing to sell drugs for him
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### Author:  [@Geehee](https://forums.speedlife.net/u/Geehee)
#### Post date: [February 19, 2010, 9:17am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/28 "2010-02-19T09:17:03Z")
I cant even be upset at the spelling, food credit is absolutely amazing.
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### Author:  [@slow84ta](https://forums.speedlife.net/u/slow84ta)
#### Post date: [February 19, 2010, 9:22am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/29 "2010-02-19T09:22:48Z")
Goto your bank and look into a personal loan. In ur case that is probably the only possibility.
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### Author:  [@psphinx81](https://forums.speedlife.net/u/psphinx81)
#### Post date: [February 19, 2010, 9:36am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/30 "2010-02-19T09:36:46Z")
> [@Geehee](#):
>
> I cant even be upset at the spelling, food credit is absolutely amazing.
hahaa
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### Author:  [@Eazy716](https://forums.speedlife.net/u/Eazy716)
#### Post date: [February 19, 2010, 9:40am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/31 "2010-02-19T09:40:29Z")
food credit = 
???
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### Author:  [@Fry](https://forums.speedlife.net/u/Fry)
#### Post date: [February 19, 2010, 9:41am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/32 "2010-02-19T09:41:17Z")
There it makes sense. He wants to pay off his snapon tools and truck with food stamps.
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### Author:  [@theblue](https://forums.speedlife.net/u/theblue)
#### Post date: [February 19, 2010, 9:50am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/33 "2010-02-19T09:50:50Z")
OMG LOL…
just go to any credit union and explain your situation. Bring a cheeseburger to show you have income.
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### Author:  [@JustinH](https://forums.speedlife.net/u/JustinH)
#### Post date: [February 20, 2010, 1:05am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/34 "2010-02-20T01:05:12Z")
> [@Just Karter](#):
>
> haha i see a new custom title in his future.
> have you tried calling the places you owe money too?
> sometimes they will settle for less if you pay it in one shot.
>
> Sell the truck and get a beater, theres little reason to make payments on something in buffalo, the citys going to eat the vehicle anyways. Plenty of cheap beaters to be had.
One of your best posts. Its the reason I sold all my fun toys, and bought a piece of shit paid off saturn to drive around in. Sick of storing everything for the winter, and paying insurance and upkeep on three cars.
I’ll just save my cash and move west.
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### Author:  [@LowlyOilBurner](https://forums.speedlife.net/u/LowlyOilBurner)
#### Post date: [February 20, 2010, 5:41am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/35 "2010-02-20T05:41:00Z")
No bank is gonna give a personal loan for 15k.
Just default on all of it.
I know a guy who defaulted on like 27k of credit card debt. Apparently “worked out a deal” with his cc company to pay “x” amount per month for “x” amount of years to resolve his debt. Whatever. Anyways, he calls me, “hey, I bought a house!”. Apparently, it’s all legit, and it’s actually happening.
Now, this is just what I’ve heard, I don’t know if any of this is true or not (I’m guessing it’s not). Explain to me how this is fucking possible? What banks are giving away morgages to peope who are broke as shit? If that the case, I’m gonna apply for every card out there, max the shit out of then and then default, buy a house in Spaulding Lake…
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### Author:  [@NYstanger](https://forums.speedlife.net/u/NYstanger)
#### Post date: [February 20, 2010, 10:25am UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/36 "2010-02-20T10:25:57Z")
13k debt isn’t bad when your talking what you owe on your truck. If your just having a hard time paying a truck payment and snap on bill then seems like you should have shopped at sears becuase clearly those tools aren’t making you money. Buckle down, stop wasting money, and quit being poor.
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### Author:  [@Beck](https://forums.speedlife.net/u/Beck)
#### Post date: [February 21, 2010, 12:50pm UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/37 "2010-02-21T12:50:34Z")
> [@LowlyOilBurner](#):
>
> No bank is gonna give a personal loan for 15k.
>
> Just default on all of it.
>
> I know a guy who defaulted on like 27k of credit card debt. Apparently “worked out a deal” with his cc company to pay “x” amount per month for “x” amount of years to resolve his debt. Whatever. Anyways, he calls me, “hey, I bought a house!”. Apparently, it’s all legit, and it’s actually happening.
>
> Now, this is just what I’ve heard, I don’t know if any of this is true or not (I’m guessing it’s not). Explain to me how this is fucking possible? What banks are giving away morgages to peope who are broke as shit? If that the case, I’m gonna apply for every card out there, max the shit out of then and then default, buy a house in Spaulding Lake…
I don’t know if I believe that it was $27,000 of credit card debt. You would’ve had to have had a pretty decent history to receive that much in the first place. Either way, the fact that the guy is telling people makes him even more a fucking retard than I can even portray over the internet on a forum. :uhh:
The account became a “chargeoff”. He then legally settled with the cc company for less than the actual balance. It’s not “free” money. It fucks up your credit. It’s almost like filing for bankruptcy. You pay an alotted amount to the credit card company every month at some ridiculous rate.
Too many of those and you’ll never get a loan ever again.
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### Author:  [@Beck](https://forums.speedlife.net/u/Beck)
#### Post date: [February 21, 2010, 12:53pm UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/38 "2010-02-21T12:53:27Z")
PS - Don’t get involved with debt consolidater’s. It fucks up your credit.
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### Author:  [@Darksyde](https://forums.speedlife.net/u/Darksyde)
#### Post date: [February 21, 2010, 12:55pm UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/39 "2010-02-21T12:55:30Z")
[](http://www.servimg.com/image_preview.php?i=280&u=13144791)
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### Author:  [@LZ1](https://forums.speedlife.net/u/LZ1)
#### Post date: [February 21, 2010, 12:57pm UTC](https://forums.speedlife.net/t/debt-consolidation-questions/79476/40 "2010-02-21T12:57:21Z")
:lol:
At telling him to default
It’s the American way!
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