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How To Get Out Of Debt

Do You Do Personal Debt Counseling to Help Me Get Out of Debt? – Gayle

raising hand

“Dear Steve, It is way too long to write about but a couple bad divorces and helping my children through college then losing my own job. Long story short, want to get out of debt. Do you do personal debt counseling or help set up plans to get out of debt? What is the cost? Gayle” Don’t miss our free ... Read More »

How to Get Out of Debt Quickly So I Can Save for Retirement? – John

Certain death

“Dear Steve, 60K in credit card debt. Annual salary approximately 130K. Able to make minimum monthly payments on all cards, but never significantly reduce overall debt. My credit card debt ranges from Nebraska Furniture Mart to Home Depot, Macy’s and Chase. Now that I make more money, I can pay the minimums, but I want to get rid of the ... Read More »

I Loaned a Credit Card to a Friend Who is Not Paying It Anymore. – Karla

oops

“Dear Steve, I loaned a credit card to a friend 8 years ago and she has been making minimum payments and using it until last year when she stopped making payments. I have been promised by her she will take care of it when her divorce is finalized and she gets a big cash settlement. Promises promises. The account is ... Read More »

Should I Sell My House to Get Out of Debt? – Esperanza

Woman in safari hat looking through binoculars

“Dear Jon, I am a single mother of two. I bought a house for 150,000 almost two years ago. My monthly payment is 928. I owe 27,000 in credit cards. I am making minimum payments for 600 every month. I can’t do it any longer. My credit score is over 700. I am current on my payments. I live in ... Read More »

Should I Use GreenPath Debt Solutions and Sell My Timeshare? – Briana

Old rundown building.

“Dear Steve, I have $20,000 of credit card debt and I own a timeshare that I can use every other year. I am interested in looking for a path to be debt free and possibly sell my timeshare. I don’t know where to start, and I have heard that timeshares are difficult to sell. I have been researching my options, ... Read More »

Am I Wrong to Think Bankruptcy Should Be Our Last Resort. – Sarah

pregnant woman

“Dear Steve, 35,000 credit card debt spread across 7 cards with APRs ranging from 4% to 17%, $750 month mortgage payment, $800 month cc payment, $60,000 student loans on low-income repayment with $0 payment. Adjusted gross income $24,000, monthly take-home fluctuates between $2000 and $4000 , but usually on the lower range. My husband is self-employed. My husband and I ... Read More »

Well Educated But Facing a Ticking Time Bomb of Debt. – Mike

time bomb

“Dear Steve, Husband & wife graduated from undergrad 15 years ago. Both graduated with Master’s degrees 2 years ago (to increase job opportunities). Both before and after Master’s Degrees husband did not have full-time employment (or full-time wages) and was unemployed for a significant amount of time (higher amounts were taken on student loans for master’s degrees to compensate). Wife ... Read More »

We Read Your Book Eliminate Your Debt Like a Pro But Have Questions. – Amber

eliminate-debt-cover

“Dear Steve, My husband and I sat down this weekend and figured up our debt vs income based on the guidelines outlined in your book Eliminate Debt Like A Pro. Our New Years resolution was to not spend on credit and we haven’t, but after reading your books I know we need to spend on credit what we can afford ... Read More »

How Can I Make My Son Responsible for My AT&T Account? – Lorelyn

past due envelope

“Dear Steve, I opened an account with ATT over 10 years ago. I kept the account open after I switched to another carrier because my son had a second line on the account. For the last 5 years he has been maintaining the account. I was reviewing my credit report and came across a delinquent account with ATT for over ... Read More »

How Do I Get Out of Debt With Bad Credit? – Robert

Concept of daily routine

“Dear Steve, My wife and I have been trying for a long time to get out of debt. We are current on all the payments most of the time but nobody will give us a chance with a loan. We even tried Lending Club but they turned us down. We are working all the hours we can and still can’t ... Read More »

New Baby, Personal Debt, Business Debt and Need a Plan to Get Out of Debt. – Matt

couple working

“Dear Steve, I have personal debt and business debt. My wife and I both have leased cars. We are 28 years old, rent a condo, and have a storage unit. We just had a baby. She makes about 45,000 p/year and I make about 25,000 p/year. (my business isn’t doing well) My credit score is around 640 and my wife’s ... Read More »

What is a Good Credit Counseling or Debt Settlement Company?

process

“Dear Steve, My husband and I used to have impeccable credit but now we just have to much credit. We are overextended and hardly have money left over after bills are paid. Our credit scores have suffered as a result and getting a consolidation loan might not be a viable option. We have a plan to sell our house within ... Read More »

Reader Got Mailer from US Mortgage Corporation That Led to Consult America

Rejected stamp

“Dear Steve, I received a letter in the mail from US Mortgage Corporation regarding refinancing my house. I called them and a gentleman took my intial information then said that one of there loan specialists would call me which he did. When I spoke to the specialist he asked some of the same questions as the first guy then he ... Read More »

My Boss is a Bully and I Can’t Take It Anymore. – Sherry

Women fighting

“Dear Steve, I just stumbled upon your site. THANK YOU for this empowering information. I’m in a tough situation. I have been employed for the past 13 years at my company and am at the top of the pay scale for my position. I’ve got a lot of credit card and personal loan debt (36,000 all together) that I planned ... Read More »

Is Consult America Legit?

chalkboard

“Dear Steve, First of all, I want to say thank you for putting this site together. I hope God takes care of you and your family in the best way possible. I’m not sure if this will lead to anything or not, but I’m hopeful. I’ve currently accumulated quite a bit of debt (more than I ever imagined I could). ... Read More »

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