talked to a representative

Hi rishardshelton

It seems that you may not have qualified as per the requirements after the consultant evaluated your financial position individually. Please convince him that you have a regular income to pay back the monthly installments and you won't be missing any of the payments. I think the consultant will give a thought after you can assure him with your words.

Regards
Roxette

Hi
Welcome back to the forums, Richard. We apologize to you for any inconvenience.

The fact is that when you will try to negotiate with a debt consolidation company they will undertake all the responsibility to negotiate with your creditors and will sort out a monthly-based repayment plan, which will be affordable to you.

Further, it will enhance your credit score. There is a possibility that the representative, who contacted you, might have missed something. Please do not worry about this. Your short term cash loan can be consolidated into one loan and you can pay them off in affordable installments.

Hope to see you in the forums,
Regards,
Peter