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How To Get Out Of Debt

Living in Apartment With Bills. Getting Married Soon and Just Got Big Inheritance. – Keith

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“Dear Jon, I’m 31 years old, living in a rental apartment. I’m single but thinking about proposing in next 6 months. I just got my auto loan in August $20K with no money down and a low interest rate from my credit union. Had a bankruptcy in 2001(Medical Bills) Potential engagement coming How do I use this inheritance to improve ... Read More »

Recent college graduate with public service job needs to eliminate debt. – Rosy

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Hi Get Out of Debt Associate, My name is Rosy, and I am in debt. I finished school in May and I have a lot of credit card debt, along with school loans debt. With the school loans, I don’t feel too bad because I don’t have to pay for it until a couple of months, however, my credit cards ... Read More »

Our Financial Situation is Out of Control. What Should We Do? – Tashia

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Family of 4, Husband ownes a business & works at another job. I work p/t for a non-profit out of our home. We have 2 children under the age of 12. We reside in an area that has been hard hit with the poor economy. We are struggling everyday. There are 2 loans that are particularly hard….$23,000 personal line of ... Read More »

What is the best solution to my debt problem? – Jean

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HELP! I am going under. What are my options for the following scenario??? Recently Divorced, 57 yrs. Income:Teacher Annual Salary: $50K ~30K credit card debt Own Home @ 5.99% on a fixed 20 year note (Bank of America) Pay Property Taxes separately.(~$5K Annually) 5K balance on “Line of Credit” (B of A) Not behind on any bills… yet. I’ve tried ... Read More »

Business is Slow. I Don’t Think I Can Keep Up With My Bills. – Jim

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In credit card debt, business is slow.. Have made payments on time up till now, but its so slow at my work lately dont think i can keep up with the bills. I have over 100,000 in credit card debt all personal used for my business over the years.. now i realize its a problem.. My business has gotten so ... Read More »

I’ve Been Middle Management in Restaurant Business and Now Manager of a Pharmacy. Future Looks Grim at 61. – John

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I am 61 years old, and have been in the restuarant business for the past 27 years. Always middle management and therefore no retirement, no 401′s etc. We have 3 daughters and have paid for most of their college education and 3 weddings, at this point in our lives I am concerned about our debt. We have one car. Approx. ... Read More »

Being sued by Capital One – should I sign the agreed judgment? – Charla

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I lost my job 3 yrs ago. I was unemployed for 8 months with no income at all. I am now employed – but only part time. Can barely make the house payment and put food on the table for me and my son. I just completed a course to get an Activity Director Certificate. Should receive it soon. Hopefully ... Read More »

Need to get rid of credit card debt with lower payments. – Jennifer

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I am not working at this moment but should be better off within a year. I am in $14,000 credit card debt. I am making the payments right now and have never been late, but during the next year, 2012 I may not be able to make all of the minimum payments and still be able to afford what I ... Read More »

I Went Into Debt as a Single Mom. – Theresa

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“Dear Michael, I went into large amounts of credit card debt as a single mom. I divorced when my house was worth $50,000 more than it is now. I insisted with my ex to keep the house so my kids can graduate in the same house. Once the youngest graduated, I lost a lot of equity and couldn’t sell the ... Read More »

Can We Afford the Debt Snowball to Get Out of Debt? – Julie

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“Dear Steve, We started our own business about 6 years ago. We had just finished building a new house and the business was one that takes a few years to build up. Not enough income coming in, lots of new expenses for the business led us to the perfect storm of debt. Now our business is starting to really thrive, ... Read More »

The Worry and Stress Over My Debt is Emotionally Draining. – KL

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“Dear Steve, I am a single person who has no help. Not only do I not have financial help in my life….but I go through the worry and stress alone trying to figure out how to pay all my debt. Its hard and emotionally draining by yourself. I have always wanted to do the right thing and pay my debts ... Read More »

How Can We Deal With The House My Elderly Mother is Living In? – Carol

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“Dear Steve, Husband medically retired I have very small income our total incone is approximately $40,000 after taxes. We have a primary mtg. Of $1800 a month,a second house of $1100 monthly where my mother in law rents for$ 740 a month. Both taxes & insurance are included. W can pay our monthly bills if we are careful but cannot ... Read More »

I’m Short of Cash and Don’t Know What to Do? – Parker

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“Dear Steve, My boyfriend and I live in an apartment together which my aunt paid a year for in advance to the complex and have been paying her back monthly at regular price since we were forced out of my parents’ house. Well it’s time for us to move out of our apartment now but there’s a problem… When we ... Read More »

I Need a Good Kick in the Ass to Get Our Finances On Track

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“Dear Steve, While we aren’t in financial dire straits yet, I fear that we are getting closer and closer. I would say that we have been in debt since we first got married. Aside from school loans, I brought most of the debt into the marriage – all of it credit cards. While we didn’t have an extravagant wedding and ... Read More »

I’m a Teacher and Have to Go to the Food Pantry. – Andrea

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“Dear Steve, I am a teacher and I make a decent salary. My problem is that I have gotten into a lot of debt through credit cards. It has gotten to the point where I have to choose what bills to pay in a given month. I even went to food pantry this weekend as I didn’t have enough money ... Read More »

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