Ok So Im really dumb and did alot of credit searching therefore there are alot of inquiries on my credit file. I had turned to payday loans and are now REGRETTING it terribly since now I end up with no pay left. Would like some help in trying to get a debt consolidation loan. I find it difficult because of my credit score but I find it ridiculous that I cant get a loan even though I have never had a payment not go through! HELP!
Appreciate all the help I can get from Australia. Thanks!
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You should contact a Bankruptcy Attorney.
Looks like it is time to take another job, quit spending on anything except necessities and get the debt paid off.
You cannot borrow your way out of debt my friend.
You need to start over fresh. If major portion of your debt is credit cards then you can opt for a debt settlement program. You can speak with multiple companies if you enter your information in a website such as http://www.bills.com
If all of your debt is with PayDay loans then unfortunately bankruptcy might be your only option.
Bills.com has a lot of information on debt relief at http://www.bills.com/debt_relief/
All the best!