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How To Get Out Of Debt

I’m Falling Behind on My Credit Card Debt. – Danielle

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“Dear Steve, I am 30 years old and make $45K and have racked up a lot in medical bills that was taken to collection. I am currently paying that debt off but my credit cards are falling behind. I currently have $12,000 to $15,000 in credit card debt and want to lower my interest rates and the amount owed to ... Read More »

How Can I Deal With My Magazine Subscription Debt? – Shawn

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“Dear Steve, I have been out of a job for a few years, I have been looking for work but so far there has been no response. My problem for me is that I am in debt to a magazine company and it didn’t help that I tried to go to school twice but I didn’t succeed and was forced ... Read More »

My Credit Score Dropped and I Want to Get Out of Debt. – Renee

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“Dear Steve, I obtained my 1st credit card 1 month after my 18th birthday.. that was 10 years ago and now I have 7. I have consoldated my cards with my credit union before, but due to lay off and emergencies, they are charged back up. I’m having a hard time keeping up with my payments. I used to have ... Read More »

My Active Duty Military Husband Wants to Retire Next Year Debt Free. – Tonya

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“Dear Steve, 35K in credit card debt needing to paid by Aug 2012 I am wondering where I can go to get debt relief. We have great credit scores but banks will not loan because of the debt to income ratio and credit cards keep going up,. My husband is active duty military and we would like to retire aug ... Read More »

Credit Arbitrators Keeps Mailing Me Stuff. – John

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“Dear Steve, I found you from doing some research on Credit Arbitrators, a company that has been mailing me their literature. I have been stressing out over my credit card debt for several years now. I can only afford the minimum payments and as a substitute teacher, it is becoming more and more difficult as the minimum payments get higher. ... Read More »

How Can We Pay Off Our Debt in Three Years? – Joey

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“Dear Damon, My wife had a full time job, then stopped working for a few years when we had children, then went back to work part time for about 8 years. This was a big decrease in income and, regrettably, a lot of times we charged to compensate in doing or buying things needed during that time that we would ... Read More »

We Are Living on Overdraft But Want to Avoid Bankruptcy. – Ann

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“Dear Steve, We have about 35k in credit card bills. There’s 4 cards, one is the biggest, and it’s the overdraft card for our checking account and it’s steadily growing. We’re living beyond our means i guess. Trying to find ways to save money but medical bills and gas costs are killing us these days..We’re able to pay our bills, ... Read More »

We Got Our Loan Modification But Now Need to Deal With Our Other Debts. – Sandy

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“Dear Steve, We were in a bad/pick-a-payment/bi-weekly mortgage loan and in our struggle to keep our house, we used credit cards to supplement paying our household expenses. We have found ourselves with nearly $40,000 of debt. After three attempts, we finally have a loan modification, so now are making every effort to ‘catch up’. We have not used credit cards ... Read More »

I Have 16 Credit Cards, Out of Work and Living With Toxic Mold. – Jennifer

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“Dear Steve, I have about 16 credit cards that have a revolving balance for a while now (around 2-3 years or more on some.) and I’m in a situation now where I’m out of work and had to evacuate my home because of a toxic mold issue. Even when I was working I never made enough money to pay more ... Read More »

I’m a Former Real Estate Appraiser With a Bunch of Debt. – Marc

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“Dear Steve, I was a real estate appraiser with my own business. When the market went south, so did my business. During that time, my wife was pregnant (we have 2 kids) and lost her job. I was using credit cards to stay afloat, before I got a job, but my wife was out of work for 2 years at ... Read More »

Which is the Best Debt to Pay Off First? – Taylor

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“Dear Steve, I have some extra money this month and wanted to know which was the best way to go. Pay on the cards with the smallest balances or highest or is the better route the one with highest interest? Taylor” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for ... Read More »

Is Bankruptcy or a Debt Repayment Program the Best Option for Us? – Janet

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“Dear Steve, Moved to Ohio 3 months ago, from CT where we were delinquent on our upside home mortgage and managed to renegotiate the second mortgage to 20% of the total, then were able to sell our house and relocate. We were able to find a private individual to finance our new house for us as our credit was shot….we ... Read More »

I Make Enough Money And Pay My Bills On Time But My Credit’s Not Great. – Anya

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“Dear Steve, I make a decent salary (120K) and recently bought a used car (credit pulled) and moved from TX to CO (credit pulled). I have been weighed down by about 17K in debt for several years – just sort going up and down, up and down. I am ready to do whatever it takes to be debt free (I ... Read More »

Carrying Credit Card Debt for 13 Years And It’s Grown. What Now? – Laura

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“Dear Steve, I’ve been carrying credit card debt since grad school in 1988 – it went from 15,000 to 40,000+ plus in 29 years. I’m gainfully employed, but am 55, living on one income and supporting 2 people. My 81 yo mother lives with me and does not receive enough from Soc. Security to cover her living costs. I’m groaning ... Read More »

We Are Working Hard But Not Getting Anywhere on Getting Out of Debt. – Jenn

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“Dear Steve, My husband and I are both working everyday– with No days off– we are JUST PAYING our maxed out credit card bills– $45,000– + –mortgage on our house–$122,000– home equity $42,000-etc.- the bills never go away– they keep getting bigger– and we do not even use them anymore– late fees, CRAZY interest, etc. I am in a bad ... Read More »

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