A few years ago, I was out of work for a few months. During that time, I accumulated a bit of debt. I tried to pay my bills but with no income, it was nearly impossible. Now I am wondering what my options are — I need loan have bad credit. I have some bills that I really need to pay off now. I am working on getting myself out of the financial mess that I am in, but I am going to need a loan to get out of it. I am hopefully that I will qualify for one.