Because of the difficulties in the economy today, people who are involved into any credit card debt problems are more into getting credit card debt settlement programs. This program will actually help you to settle from all the burdened of your credit card debts and negotiate to your credit card companies to make some settlement of paying the money you owed from them. What you need to do here is to make a phone call to your credit card company and inform them that you wanted to have a credit card debt settlement. This will actually lead you for some hours or sometimes for some days before you will know how the negotiation with your payments goes. You just have to be persistent because they will expect you to tied yourself with them for a lifetime payment of your balances and interest. All you have to do is to tell them that you have a cash loan from any member of the family or close friend and get the 25% payment left for the next couple of months, if they will agree to cut off all of your debts with them. You will somehow be granted with this option since the credit card company is also thinking about the money back that you owed to them. Though you will surely have a bad record in your credit card history then, but on this kind of situation, this type of option might be the only choice that is best for you to have.
And if you are unemployed at the moment and thinking about any loans available for you – yes, there are now available loans for the unemployed. Compared to credit cards, equity loans, or any other credit options, loans for the unemployed is actually much better solution if you need some quick cash help. Loans can actually be secured and unsecured – secured if you have any guarantee to pay the money back to the money lender but with lower interest rates, and unsecured if you don’t have any back up guarantee to repay the money you owed to the money lender which is also tend to have much higher interest. Loans for the unemployed can actually have both ways of secured and unsecured loans. Though unemployed do have much higher interest rate because of the risk of being unstable and jobless to pay the money back to them. Credit card companies will also hesitate to let you avail credit card options because of the lesser chances of paying your bills. So before making any decision of getting any credit options, consider loans for the unemployed as your best favorable credit options at the moment that you are still searching for some job and might need some help of any financial assistance.