I understand its unsecured debt, and half of it was essentially credit card debt but my question is does anyone else experience this?

As for your credit being poor, you might think about other ways to build your credit like a pre-paid credit card that will report to the credit bureaus.  

looked at URL its a credit card based deal... use caution with those..

It will be on direct mailers, business cards, website and social media.  

I took out a secured credit card for around 3000 dollars, Would it be a good idea to get another secured card?  

Hey guys I am using this agency to get me 0% interest from credit cards.

I have gave him 2 solid referrals as well, both should be closing soon.Next on the agenda is paying down my credit cards and saving more money in 2016.

One guy that comes to mind is a guy who spent $45,000 on training, maxed out his credit cards, went through all his savings, and had no more of an idea of how to do a deal than before he started.

One weird thing he said was that he doesn't use Paypal or Credit Card for the 1500 dollar payment so I do have concern that me may just disappear after the 1500 dollars paid.

first of all thank you for replies.im thinking to get a loan for 150k. buy a house for 100 and use 50 toward reno. i have 10 years of experience in house repairs so im planning on doing some repairs myself. i have many saved and i just paid of all my credit cards, student loand etc. also how soon can i sell my house meaning by law do i have to wait 2 years since its my first house?