Help... Can I get a loan if I don't have any income flow at the moment but a really bad debt?

I'm stuck with a horrible debt and creditors demanding immeadiate payment... so if you were someone that has no way to magically make money appear in a few days and a business that is a little stagnant at the moment.. can you get a credit card/ debt loan anything to give you some more time till you fix things and come up with the money eventually??

Listen, creditors are known for demanding immediate payment - they know just where the line is.

so, give them a planned schedule on when you can pay, and tell them to stop calling you (in most states they must ) - what is the worst they can do - sue you? They're not going to do that, it costs money.

Get some backbone and fight these guys - don't start messing with short term loans or shuffling debt from place to place - let them wait, or send them $2 / week on a payment plan (they can report you as a slow pay, but not as a no pay).

Only at really bad interest rates, if at all. Depending on your other circumstances, you may want to seriously consider bankruptcy or some sort of debt reorganisation. There is a lot of information on the net.

That is exactly what Credit Counselling is for - folks like AmeriDebt.com. They can consolidate all your outstanding credit card bills and negotiate a settlement with the creditors and then you send AmeriDebt the money and they pay it out on your behalf. The best part is that it takes 4-6 weeks to get fully processed and during that time you pay nothing and refer your creditors to call AmeriDebt - so you can get some peace and some time to get your funds together.

Peace!

Most probably not, unless you have some good collateral that you can offer them. You could always try a government small business loan, but that will take time. I wish you the best of luck. I'm sure your business will pick up after the holidays.

Don't bet on it

No

See if you can consolidate your debts and free up some equity.
If you must, maybe sell some equity to beat this current crisis
Go to ebay and sell some stuff.
If your business is going under, you are going to lose it anyway. Cash in now...

Maybe from your parents or siblings. That's it.

just let them know your situation and pay a little as you can. To get more interest put on it else where will just make the problems worse.

You are making a concerted effort of avoiding the inevitable.

Note to self: YOUR BUSINESS should NOT be stagnant during the HOLIDAY SEASON unless your business is HIGHLY weather-dependent.

Also, the reason you have horrible credit is because you don't have a BUSINESS, you have a HOBBY that is not generating sufficient income or working capital to sustain you.

Some hard choices:

1) Modify your business model.
2) Improve your marketing tactics to increase the traffic at your store.
3) Get a paying job that generates enough income for minimum debt obligations.
4) Close your business once you find full-time employment.
5) Consider Chapter 7 bankruptcy or Chapter 13. If you have HORRIBLE credit, you might need Chapter 13!

If you own property, maybe a hard money lender could help you.