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Well, it is difficult to say whether or not you would be approved or not without going very in-depth with your finances. Most likely, the most simple way to find out would be to apply. You said that your vehicle will be paid off shortly...
What kind of vehicle do you drive? Do you know the approximate value of it? Also, is it in decent running condition, or more specifically, do you think that it will last you 4-5 more years?
And when you said it would be paid in May, is that next month May or a year from now?
As far as the credit card with Ameridebt goes, what have they offered you vs what they charge? Did they reduce the interest rate, back off late fees, or are they just basically making the payments for you?
Just want to get some more info before recommending a course of action...
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