<prompt> Human: So essentially, Ive been trying to get a personal loan to consolidate all of my credit card and medical debt, but am constantly denied. The loan amount that I would need would be no more than 7,000.00. There are a couple of things that I should mention. I did go through a bankruptcy 3 years ago due to being laid off from my job and was unable to find work for nearly 11 months. Im currently employed, although not full time around 26 hours a week. Ive been trying to find a second job to supplement my current occupation but to no avail, especially now with the tsunami of incoming college students seeking work in my college town. Also, I dont have a car mine had broken down a year ago and I rent a place with my brother, so I really have no collateral to offer for a secured loan. Annual gross income is about no more than 14,000.00The bankruptcy keeps showing up on all the why you were denied a loancredit card balance transfer letters like a freaking albatross and quite frankly, I dont know what to do at this point. The monthly interest chargesfees Im getting from my credit card accounts add up a LOT and make paying down the balances impossible. Any help would be appreciated. Ask any questions if I forgot to mention anything.  <response>: You went through bankruptcy 3 years ago and you now have another 7,000 in debt? Am I understanding this correctly?If thats the case, cut up your credit cards, quit spending money you dont have, work harder on getting a second job or freelancing or ANYTHING to get some extra money flowing in. As Im sure youre more than aware of, this is no way to live.And yes, your bankruptcy will be an albatross around your neck for quite some time. 