I found that there is a non profit organization that will help those with really bad credit personal loans and try to get you on the right track again. They know that if you have bad credit auto loans or bad credit loans, you will probably not have the extra money to invest into financial advise. ClearPoint Financial Services, is private and secure where you can talk to a financial consultant or even get financial information through email. This great non profit organization is usually very busy so signing up with them is better to do sooner rather than later to get rid of your bad credit loans.