You have not given details of which credit cards you own, how much is your outstanding and what is your ability to pay. You will need to bring these details to the counsellor if you want specific guidance to actually move things forward.
As for your request for a loan â€” it is unlikely to happen - no lender will give you fresh money when you have three defaults.
We hope this helps
Sucheta Dalal Trustee - Moneylife Foundation
Suresh Prabhu Mr Prabhu retired as Senior Vice President from HDFC Bank
R Bhuvaneswari After serving Bank of Baroda for almost 40 years, Ms Bhuvaneshwari retired as Chief Manager in 2013.
Yogesh Sapkale Yogesh Sapkale is Deputy Editor of Moneylife and writes on finance, credit related issues
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