Any Advice on Getting a Business Loan for a Start Up?

loan

I have been working on my business plot and i am nearly all set. But now i am worried about trying to get a bank loan. I quit my job because i wanted to concentrate on my business and because it wasnt for me. But now i have no income and no real assets. I am only 24 and have no real savings or anything. Will banks even concider me for a loan even though my business plot is really excellent?

Are There Any Debt Consolidation Companies That Really Work?

debt

With the current economy, and my work hours being cut, I’m in need of some serious credit card help. It’s now a choice between the credit cards and housing/food. If I could reduce my debt and make significantly lower monthly payments, it would be a life saver! Do any of these companies really do what they say? Also, what would be the impression on my credit ( as different to bankruptcy ), and how long would it take for this to drop off my credit bureau. I’d appreciate any advice.