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Home > Author Archives: Mike Killian (page 2)

Author Archives: Mike Killian

Mike Killian
Mike Killian is founder of Learning Credit and Debt Management. He has been writing and teaching about credit and debt management issues for over 12 years. His articles have been referenced by various members of the media, including MSNBC and The Motley Fool. Mike has also offered debt elimination seminars to businesses and community colleges for many years. He has an MS in counseling and is a nationally certified as a Personal Finance Counselor. Mike can be found at LearnCreditManagement.com/.

Reduce Interest To Reduce Payments w/o Affecting Credit – Christina

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“Dear Steve, We have too much credit card debt and rely on overtime to pay our bills. In the current climate it appears that the overtime is going to be pulled back and we will lose that extra income. Is there a way to reduce the interest on our credit card payments, thus, reduce our payment amounts, without it adversely ... Read More »

Divorce Debt Mountain While Trying To Get Security Clearance – Robert

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“Dear Steve, I went through a divorce in 2004 and i was stuck with most of the bills. I am in the military and i am trying to get a security clear., but am having trouble due to all the bills that went past due and charged off from the divorce. I have paid on alot of the bills working ... Read More »

Reaffirmed Car To Be Repossessed After Bankruptcy – Ray

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“Dear Steve, I filed bankruptcy and reafirmed my car. I then lost my job. Now my car is going to be repossed. I am several months behind. How can I keep my car now that I have found steady employment and can make the payments Ray” I asked my friend Mike Killian to answer your question for you. I wanted ... Read More »

What Can I Do with 0% Interest Ending? Harsha

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“Dear Steve, I have 2500 balance on a 3500 credit limit divident platinum mastercard. i am on the 6th month of 6 month 0% apr offer, i have not missed a payment till now, and my credit history is like 9months old, i have 2 credit cards one is master card frpm citi and pther 600$ card from bofa with ... Read More »

No Way Out Of Mess. Wish I Had Never Gone to School. I Have Nothing to Offer To Anyone – Lisa

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“Dear Steve, I am currently $96,095.00 in student loan debt and it is quickly increasing because of the interest. I was laid off this past June. With having my mortgage and utilities I have little left from my unemployment check to make the payment of $724.00 per month. I have very little hope right now. I feel my life is ... Read More »

Bankruptcy Is Not the Honest Christian Way to Solve Problem? – Kristen

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“Dear Steve, We have aprx. $80,000 in unsecured debt. We are a family of seven. My husband, myself and our 5 children. We are drowning. I was making the min. payment on the credit cards until they started charging obscene interest rates. I have recently fallen behind – or – well refused to pay them their min. payment. I was ... Read More »

How Much For How Long Would a Settlement Hurt My Credit Score? – Leanne

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“Dear Steve, I have credit card debt on one card of $18,000. They are willing to settle with me through their settlement dept. for $10,800. I am only making the minimum payments on this account. My credit score is in the 7 hundreds and I don’t want to do much damage because I would like to buy a house in ... Read More »

$25,000 at 19.99% Interest- What Can I do? – Elisabeth

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“Dear Steve, When I previously left my previous employer I took a Bank of America Loan out for 25,000 to pay off all of my credit cards so that i could get 1 payment. My understanding was that it was a loan at 5.5% in 2006 as it turned out the rate was 19.99%~ Now it is 29 months later ... Read More »

What Do I Do to Consolidate Bills? Mary

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“Dear Steve, Need help with consolidating bills. What do I have to do in order to start this process? Mary” I asked my friend Mike Killian to answer your question for you. I wanted to make sure you got an answer as quickly as possible as I’m a bit backed up at the moment. I’ll be watching the comments on ... Read More »

Credit Card Company Put Someone Else’s Name On My Account- Help – Heather

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“Dear Steve, Discrepencies on credit report and credit card mess. Question The cc company accidentally put someone elses name on myaccount. I couldn’t have access to the account while they investigated and when the reopened it there were tons of late fees and penelties. It was not my fault. Someone opened a lot of credit using my info, need help ... Read More »

Deceased Spouse Left $33,000 Worth of Credit Card Debt. What Can I Do? – Judy

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“Dear Steve, My husband passed away rhe end of 2008. I had been iill in 2007 and was not working. Other than the horrible fact he died, I did not know we were in financial trouble. Two days after he died, I opened mail I had never seen and found out he had been carrying close to $30,000 in credit ... Read More »

What Can I Do With the Payday Loan Vicious Cycle? – Dodie

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“Dear Steve, Payday loan overload. I am broke and getting worse every payday. I am in the vicious cycle of payday loans and i am delinquent on some and they are threatening me with garnishments and employer contact. I can not seem to get out of this debt cycle and it takes all my paycheck to pay interest that I ... Read More »

Unemployed, Pregnant, and Can’t Afford the Payments – Erin

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“Dear Steve, Unemployed, pregnant, and cant afford the payments demanded by the debt collectors. I am trying to make the demanded payments by the debt collectors, with out defaulting on my car payment, insurance, and medical bills. Do I have to send the collection agency the payment they are demanding, or can I send what little I can afford without ... Read More »

Creditor Jurisdiction Overseas – Jonny

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“Dear Steve, Moved overseas to New Zealand a couple years ago. Went overseas with about $8000USD in credit card debt. I’ve tried to pay it off but a couple “life accidents” with employers have left me at about the same amount. I’m setled in the South Pacific and have no intention of returning to the US to live. I had ... Read More »

Is There a Way to Get Out of Debt for Free? – Steve

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“Dear Steve, I was unemployed for 7 months in 2007 and moved to Texas for employment, The company shut down the project in Novemeber of 2007 then fired 35 people in January of 08. During this time My wife lived in New Jersey and never came to Houston and filed for divorce. I never thought that New Jersey would award ... Read More »

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