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How To Get Out Of Debt

Halo Debt Solutions Doesn’t Seem to Try Anymore. – Pablo

Speech Bubble - Q&A

“Dear Steve, Large amount of unsecured debt, unsold/unrented manufactured house on 1 acre rural IN with mortgage, renting in SC due to job transfer, car with loan, another without. Haven’t used credit for years, had used halo debt solutions for some good low settlements, not using them now since they don’t seem to try anymore. Does debt ever disappear completely ... Read More »

I Have Muscular Dystrophy and Overspent to Give My Kids a Good Life. – Stephanie

mother daughter

“Dear Steve, I bought a house 2 yrs ago for $168,470 and I owe $130,416.53 with an interest rate of 4.625%. My LTV is about 73%, based on a comparable home that sold for $178,000 a year ago in my subdivision. My home is new construction in an university town, where the market value is doing well. Here are the ... Read More »

Single Mom Struggling to Make Ends Meet and Paying Off Debt. – Sam

future

“Dear Steve, I have 3 credit cards and an auto loan. One card was recently paid in full after being delinquent for a year. The 2nd one I have made payment arrangements with and will be paid in full as soon as my tax return is received. The 3rd and highest balance (approx $7000 with Wells Fargo), I have payment ... Read More »

I Was Unemployed But Now Have a Job. I’d Like to Start to Get Out of Debt. – Adan

Searching-right

“Dear Steve, I live in Los Angeles, CA and was unemployed for several years and was not able to pay my credit card and student loan bills among other bills. Now I have a job with okay salary and my living expenses are not much. I can afford to start paying off my debt. I have credit card debt in ... Read More »

Debt Snowball is Reducing Our Debt But What Next? – Doris

retirement

“Dear Steve, We owe 172,000.00 on our house and live in CA. We are in our late 4o’s with a net worth of 200,000.00 not including my pension. We both have another 20 or so years to retire. My husband is self employed as a painter therefore we have to put away extra retirement for him. We have life insurance, ... Read More »

Is Ready for Zero a Scam? What Do You Know About Them? – Jane

radar

“Dear Steve, Single income earner 32.50 – disable husband who owned own business pittance from SS 2 teenage girls. I work full time, and at least 4 hours every sat at 2nd job new opportunity for OT at work so switching to that almost 25,000 (on total of 6 cards) in debt plus 62,000 left on house and a home ... Read More »

I Can Make My Monthly Payments But Can’t Breathe. – Jas

End of stress.

“Dear Steve, I have 6 credit cards. One of which I am over the limit by about $500 because I didn’t read the fine print and ended up with a $900 interest fee. Between all six cards I am currently in over $20k in debt. I make $46k a year and still going to school which I use student loans ... Read More »

I Need Help Reducing My Credit Card Debt. – Norma

get out of debt

“Dear Steve, I need help reducing my debt which is in credit cards only-approximately 50,000. Some of the credit cards are in my name only, some are in my husbands name and some are in both our names. If I look to a credit relief organization, will the consolidation and relief impact my husband’s credit rating? Thanking you in advance. ... Read More »

I Can’t Make My Payments and Creditors Want it All? – Bridget

Financing a budget

“Dear Jon, I have 4,900 in credit card debt and all my cards have been turned over to collection. I am doing the best i can, but they are not letting me do payments they demand the full amount or they can split the full amount in to 4 payments. I can only pay about 100 each month to get ... Read More »

I Could Not Live My Old Life Anymore. I’m Seeking Happiness But With Debt. – Patrick

Arms Open

“Dear Steve, Thanks for your time. I’ve read through your site, your publications, spoke last month with a financial consultant (Damon Day – I think you might know him or know of him?) and wanted to drop you a line to get your thoughts. I see the site requests a substantial amount of information, so I hope what I share ... Read More »

How Can I Stop My Husband From Spending Money We Don’t Have? – Marie

doctor-xray

“Dear Steve, I was an asst. director at a computer company for 4 years of the 10 years I worked ( I am a medical laboratory tech by trade) at this company. When I quit to be a full-time mom (and follow my husband as he did contract work as a nurse anesthetist) I was making ~$75,000. I had ~$45,000 ... Read More »

What is the Easiest and Quickest Way to Get the Debts Paid Off Sooner? – Donise

Speech Bubble - Q&A

“Dear Steve, We are struggling to get out of debt from our mortgage, car payments,and be able to live the life style that we want. and for my husband to retire sooner. We just keep getting deeper in debt What is the easiest and quickest way to get the debts paid off sooner? Donise” Don’t miss our free Get Out ... Read More »

I Have an Old Traffic Ticket. How Can I Get My Fines Reduced? – Michelle

traffic ticket

“Dear Steve, I have a speeding ticket that went to collections 3 year ago I believe, I could not pay it at the time because I had no job and the judge wanted me to do community service, but I could not drive because my license was suspended and had no reliable transportation, so I cannot get my license back. ... Read More »

How Should I Use My Inheritance to Reduce My Debt? – Jason

math

“Dear Steve, Huge amount of credit card debt. One card 40K @ 7.99%, another 7K @ 11.99%, 8.5K @ 3.99%, and 4K @ 21.99%. Plus, 2 car loans total 20K @ 6.99%(these vehicles are used for work/pleasure – 85/15). My income is down from an average of 100K to now about 45K( economic influences beyond my control). We also have ... Read More »

I’m a Single Mother. How Can I Get Out of This Debt and Get Ahead in Life? – Shauna

yard

“Dear Steve, Hi, Steve! My name is Shauna and I am a 22 year old single mother attending a community college and living at home with my mother and three other siblings in a 3 bedroom apartment. A lot, right? Well, the thing is that I used to attend an university but was kicked out due to a substantial financial ... Read More »

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