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Date : Dec 30, 2008


Dear Sir, I have personal loans of 8 lakhs from 5 different banks and credit cards dues of 8 lakhs from 7 different banks. I have monthly net salary of Rs. 32000 after all deduction. Can you please guide me how to pay off all the dues and have good credit score to have any future credit? Hopefully, I can manage personal loan by taking one personal loan and preclose all the loans. But, I find much difficulties in paying credit card bills. I don't have even any asset like real estate to go for any secured loan at less interest rate and longer duration. Kindly guide me. Thanks and Regards.


Your best bet is to go in for a consolidated loan which will take care of all your loans and help you pay only one EMI to one single lender. You can get a consolidated loan based on your income and repayment track record.



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