I’m assuming you were still confident

I’m assuming you were still confident that you’d get approved and you “still had some more credit” when you applied for zero interest loans. Glad you had that option. Some of us are not that confident.

I joined hoping I could find some answers to my debt problems and fears. I am trying to find out if anyone has used a Debt Settlement company. Not A consolidation but negotiation, where they offer your creditors a percentage of the money you owe, usually in the 50% range. At this point loans are not an option.

I haven’t used one but this is the only one Suzie orman recommends in her book due to their low costs & non-profit status – https://www.nfcc.org/