I have been trying to get a loan to ctch up on household bills and try to get my credit back on track. I got an e-mail from a Diplomats Finacial, who tells me that they are in Zurich Switzerland. They said that they had to take their website down to revamp it for security purposes. Has anyone out there heard of them?

No, but that absolutely does set off alarm bells. No competent company should have to remove their online presence for "security purposes" because it should already be relatively secure.

Nevermind. They were a scam. They wanted $450 wired to them Western Union for a "transfer/commision fee. And I foiund out the the e-mail I got was from mail.com, who gives out 250 domain names and yup, there's was one of them. I have reported them to the proper people. Is there any legitimate lender out there, that will loan money to anyone with a credit score of below 520. I tried prosper.com and they want a credit score of above 520. I am at the end of my rope here. My rent is 3 weeks behind. I have bills piling up. I have payday loan after payday loan to pay off. I need help now. I need a substantial loan to get back on track. I don;t need consolodation. It's not going to help me with immediate bills. I need a loan. I don't know what to do, but quit my job and cash in my 401K. I don't want to do that, but I need money right now. My paychecks are spent before I get them and I've trimmed down everything to the bone. What am I going to do?

Sorry to be so slow catching up on this - okay, what are your income/outgoing figures like?

For example, are you able to do the following:

1. Total income after tax at end of month
2. Total living expenses (groceries, etc)
3. Total debts

And see how that looks?

Simply that when you say you've trimmed down everything to the bone, that seems to suggest you also have debt on your head, you're having problems paying that, and therefore it's a case of debt consolidation rather than taking out more debt.

2c.