samcar

Thanks for the information/advice.  I'll admit that this is a subject that I am not very knowledgeable about.  I have looked around for some debt relief solutions (for example) and sought some help here and there and debt settlement or credit counseling seems like a good direction. Thanks...

I am working on paying of some debts and have heard about using personal loans to do so. It seems to be somewhat counter intuitive to do it that way.  Pay off a debt by incurring another one?  So, when is it viable to pay a debt with a loan?