The recent credit crunch has left an increasing number of people with mounting unpaid debts. It is estimated that for those who suddenly lose their jobs either as companies shed workers or go into administration, the average person can only survive a week or so without debts going unpaid, debts such as car loans, personal loans, subscription charges for example satellite TV or in fact, anything purchased on credit.

Now, you'll be aware that credit scoring agencies are quick to record when you fall behind with your payments, and this will very quickly seriously adverse your ability to obtain further credit to see you through any short term financial difficulties, so ideally you need to find a loan source that doesn't carry out credit checks and can deliver cash fast to deal with those unpaid debts.