At 37 Do I Really Need a Neck Lift? (photo)

A neck lift is your best option. Make sure platysmal work is done as well. I would see a qualified surgeon for a complete evaluation.

At your age I would consider all non-surgical options first.  In our office we would recommend Ulthera first.  An additional treatment would be skin tightening with an IPL machine.  We use the Sciton BBL Skintyte for these "fotofacial" treatments however Ulthera first.  If these don't improve your situation, consider a visiting a plastic surgeon who performs corset platysmaplasty surgery with necklift surgery.