settle with the cc’s cut them up FOREVER, offer them 50 cents on the dollar in writing and do not give them access to your checking account, and save up to buy a car

It seems that all loans lately been a challenge to obtain in this econonmy. The online places are fast and I have heard the are easier to quailify sometimes.

My friend recently used http://auto.deal4-you.com

there are alot of factors in determing a loan 3 yrs job history with no gaps between of 30 days or more between jobs you income is a little low most secondary lenders prefer minimun 1800 per month 10% cash or trade down payment and you cant buy a cheap car it has to meet special criteria has to be no older than than a few years old must end up at 80% of trade value. this is only minimum info but there are dealers who specialize in secondary lending but remember interest rate cannot be a concern it cost money to repair your credit and you my are a very high risk so dont go pick a car out and get your hopes dashed let the dealer know up fronyt because the lender will dictate what cars that dealer has that will qualify a loan that fit their guidelines

Unless you go to a Buy Here Pay Here dealer and get a rip off loan with high interest you need to prepare to pay cash for a car.

Defaulting on that much debt will prevent you from obtaining credit for a long time. You also need a better paying job if you expect to borrow your way through life.

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Best Wishes,