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i have a loan at the bank to pay off credit cards i had but i have more plus a catalogue plus i owe tax credit?*

as well i want one payment a month and i don't think my bank will help me what do i do or how do i go about doing this help as i had an overpayment of tax credits and the amount they are taking is too much as i have already written to them how do i get one payment a month to pay off everything help please i have a job i live at home with my parents and i pay board the rest goes on payments to the cards and the loan as i said one payment a month would help as it leaves me very little for fares to work and lunches as i work shifts and i need to buy meals at work if i work late if the bank cant help me would i be better going to a debt management company preferably one that is free and gives free advice thanks to all

Answers:

1) As for the Tax Credit bill phone them and say how much you can afford to pay, they are reasonable. All the credit cards cut up or hand to the bank to prove that you will not be using any of them again. Stop buying of the catalogues any credit that you have pay it on the bill.

2) At this point what you want is irrelevant. You want simple, and it ain't gonna happen. You complicated your life with too many credit cards & accounts, and you obviously buy foolishly when you don't have the money. Until you pay off the bank loan, credit card bills, and all the other accounts you have down to zero, you are going to have to pay multiple bills each month. And no shopping, no catalogs, no new cards, no new loans until you get your existing bills paid off and learn effective money management skills. Your first lesson in money management is how to pay numerous bills on time every month.

3) Hi I am Frank lopez from the united state. i am a student I saw your question I have decided to help people out due to the fact that I myself has been scammed four times by four lenders in my search for a loan but at last I got a reliable lender . that gave me the loan($60,000 USD) that I was in dire need of. Hence I decided that I will refer anybody I come across to this God sent lender he is reliable and his terms are fair. You can get to him via his email address: dr_amandajohnson@live.com, Please tell him that Frank Lopez . I have search for a legit lender until I got him and I decided to help my fellow humans with this because there are a lot of fake lenders out there and I do not want any body to fall a prey please get to him and tell him that I referred you to him.

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