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Credit Counseling

Should We Stay With Cambridge Credit Counseling? – Ed

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“Dear Steve, Sometimes you’re damned if you don’t and damned if you you do. For no reason other than probably high balances, my wife and I experienced what millions experienced last year – the banks raising our interest rates to almost 30%. After paying on these cards over minimum for six straight months and not seeing the balances go down ... Read More »

What Do You Think About the NFCC Debt Management Program? – Nancie

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“Dear Steve, My 74-yr-old mother has approx. $20K in unsecured debt, spread over numerous Visa/MC and store credit cards. She lives in a Seniors’ mobile home park (I purchased the structure in which she lives; it is titled in my and my husband’s Trust); her monthly space rent is Read More »

My DMP Isn’t Going Well. What Are My Options? – Karen

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“Dear Steve, I have been on a DMP with Hess Kennedy/First Consumer Debt Consolidation for about 3 years. Debt started around 70 k and is now about 20k. I am looking to get them out of the picture (creditors didn’t receive last month’s payment- a whole other story.) All of my creditors except one, Bank of America, are willing to ... Read More »

Should I Stick With CCCS of San Francisco or Go With the National Debt Relief Initiative and Pathway Financial Management? – Tina

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“Dear Steve, I have acquired some credit card debt and last year found myself not being able to keep up with my payments. I had $34k in debt and went through a program through my credit union called Balance for Debt Consolidation. I started on a DMP July 2009 with Consumer Credit Counseling Service located in San Francisco. I consolidated ... Read More »

I Do Love the Fact You Were on Starting Over. – Nicole

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“Dear Steve, I don’t even know where to start; just that I’m ready (I think) to finally get this literal and physcial load off my back, my mind, everywhere it is affecting me. I have an appointment set for this Friday with a credit counseling agency (legitimate, I hope, I have been doing research for several weeks and they do ... Read More »

I Don’t Want to Use a Credit Counseling Agency. What Can I Do? – Denise

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“Dear Steve, I need help with my credit card debt. I owe $20,000. I live in New York State. I only make $35,000 a year. I always pay them every month and on time. I pay about $500 a month with 11% interest. Is their any good government programs that can help me with this debt. I don’t want to ... Read More »

I Am a College Student. How Bad Is It to Pay My Bills Late? – Zaria

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“Dear Steve, I’m a full time college student, who also works part time. I’m 21 and both of my parents are deceased. Right now I am well over my head in credit card debt (which I used to pay for textbooks and classes) and with my job at the verge of bankruptcy…my hours have been cut and I have not ... Read More »

I Went With Take Charge America and Refuse to File Bankruptcy. – Nic

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“Dear Steve, I am 29 years old, married, own a home, 2 cars, and self employed. I started a debt management program with Take Charge America and have paid off approximately $14,000 so far. My payment is $1,327 per month. Due to the nature of my job, my income fluctuates and I have been seeing some difficult times recently. The ... Read More »

I Went to LSS Financial Counseling Service And They Suggested Bankruptcy. – Peggy

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“Dear Steve, Too much credit card debit due in part to helping niece and nephew out, then excessive repairs to my home, in an effort to make the necessary repairs, I practically lived off my credit cards. Now have nearly $50,000 in credit card debt and am short almost $600.00 a month to be able to make payments. I have ... Read More »

My Parents Sent Me to CreditGuard of America. – Ray

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“Dear Steve, I’m a freelance photographer. I was laid off from my job in 2008 and started freelancing shortly there after, as well as assisting another photographer. I moved in with a friend but was unable to pay him rent for the first 8 months or so. I owe him for that ($4500 approx). As the economy got worse and ... Read More »

Can I Trust a For-Profit Debt Relief Provider? – Eric

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“Dear Steve, Large amount of unsecured debt. There are so many options, all of them for profit. How do I know that I am choosing a reputable provider and that they have my best option in mind when they are all for-profit? Eric” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of ... Read More »

Should We Be Looking More at Bankruptcy? – Kirby

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“Dear Steve, Looking back, I see that while I thought I had a decent budget in place, I was not budgeting correctly. I did not have money set aside for simple things like new shoes or car maintenance. Whenever an unexpected expense came up, I just put it on the credit card and didn’t worry about it much. Everything was ... Read More »

Dave Ramsey Says to Stop Paying the Credit Cards. – Leigh Ann

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“Dear Steve, We dont make enough money to pay all the bills at one time. (I know you are rolling your eyes because everyone who asks a question probably has the same problem) I am looking to get a full time job but have not had any luck as of yet. We have set up 8 credit cards with a ... Read More »

Will Going With MMI Hurt My Credit? – Jane

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“Dear Steve, I got laid off in January of 2009 and fell way behind in my credit card payments, I found a job in November 2009 and am currently working but my boyfriend, who I have a dependent with, lost his job in May 2009 and is still unemployed. I am making all the household payments, rent, and car payments ... Read More »

What Can You Tell Me About GreenPath Debt Solutions? – Barton

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“Dear Steve, Owe $38,000. Not behind or late, just want to get out of debt. I read your article on debt management and credit counseling and am glad I did. I am much more skeotical now about these sercvices. One company that I have seen get consistently good press, though is GreenPath Debt Solutions. What do you know about them? ... Read More »

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