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How To Get Out Of Debt

I’m a CPA But Feel Trapped in Credit Card Debt. I Want This Monkey Off My Back! – Renee

Monkey1

“Dear Steve, I am a CPA, have been one for several years (one main reason it makes it hard to ask for help). I have a great job, and just got a promotion. When I reclocate- I will be making approximately $75k (gross) a year. My husband is self employed and for the past two years, his income has decreased ... Read More »

My Sone Went to Jail and I Paid for His Lawyer on My Credit Cards. – Norman

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“Dear Steve, Hello, I owe a total of $10,000. ($5,000 to Visa $5,000 to MasterCard) I have had perfect credit for the past 15 years. I had to spend $10,000 on a lawyer for my son. (the plan was for him to be released and he would pay this off, he will be released on June 2013) Now I am ... Read More »

I’m Sinking. What Debt Consolidation Company Should I Go With? – Kathie

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“Dear Steve, have about 30,000 in debt ,single parent, teacher, son with cancer dependent on me financially etc. Want to find a reputable debt consolidation company as im sinking . Who do you recommend as a debt consolidation company? Kathie” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads ... Read More »

Husband Had Cancer and American Express Won’t Help Me With Reduced Payments

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“Dear Steve, I lost my job 2 years ago and have been searching for one ever since. I am 63 years old and have spent my whole working life in a management position. Now, if I get an interview, they say you are over qualified. In other words I am too old. So for the past two years we have ... Read More »

I’m a Teacher. My Husband Took a Pay Cut. We Can’t Make Ends Meet. – Jenifer

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“Dear Steve, I am married with two children under 4 and rent my house. My rent is 750.00/mo., car payment is 550.00/mo., daycare is 1000.00/mo., loan is 450/mo., and then we have the usual utilities and cell phone bills. Two years ago my husband lost his job, then last year he changed jobs. He currently gets paid $10.00/hr. and I ... Read More »

How Can I Convince My Friend to Start Over and Move to California? – Lindsey

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“Dear Steve, My question is about a very close friend of mine who is in a bad situation with his debt. He made some mistakes when he was about 20 which caused him to endure some pretty heavy credit card debt. Then, he had kidney failure and cancer in his mid-twenties, and thus incurred even more debt from medical expenses ... Read More »

I Will Not Do Bankruptcy But Have No Income in My Name. – Monica

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“Dear Steve, I have massive credit card debt. I thought I had it under control, but now that I stay at home with our son, I’ve realized how out of control it is. I have 3 major credit cards, 2 with balances over 10,000 and one with a balance of 6700. I thought i was “earning money” by paying bills ... Read More »

My Life Has Been the Perfect Storm of a Sinkhole and a Debt Nightmare. – Shannon

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“Hi Steve, I am the perfect storm of a life changing full life debt nightmare!( A little dramatic perhaps, but here goes) I am a 34 year old mom of a wonderful son. I started a small(and at the time, successful) business out of my home in 2005. Things were great, bought a house in Florida in 05 and thought ... Read More »

I Can Make the Minimum Credit Card Payments But Trying to Decide Between MMI and Bankruptcy. – Tony

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“Dear Steve, Own a home, divorced, alimony is $375/month through May 2013, a $500/month loan with lending club through July 2013. House payment is $1,250 including assessments. Credit card debt alone is $25,000. Lending Club loan has about $6,000 left. Total unsecured debt is about $35,000, including student loan. My house isn’t selling — the one two floors below just ... Read More »

My Job Went to China and I Don’t Want to Ruin My Security Clearance With My Debt. – Jeff

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“Dear Steve, After 21 years with the company where I thought I retire my position was eliminated when our manufacturing processing was moved to China. Went from an $85k income in 2005 to $42k now. In my arrogance I thought I would be back and the same level within a couple of years. Over the past 7 years we have ... Read More »

What About Deeding My House Back to the Bank as a Way Out? – Renee

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“Dear Steve, what are your thoughts on deeding your home back to the bank?we went thru a modafication and they dropped our rate 3 pts,but added 16 years and 20,000 and we don’t want to sign because our house is already underwater now and they want us to sign a loan for 179,000 when the value is only like 155,000.we ... Read More »

We Went Through Tough Times But Now Want to Consolidation Our Debt. – Debi

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“Dear Steve, We went through tough times.. my husband was out of work and I was a commissioned salesperson and sales were down. we went through loan modification and succeeded and we have alot of equity in out house. Business picked up and we make a good income now. I first looked for a second on my house and I ... Read More »

Single, Female, Unemployed Architect With Vasectomy Liar, “at the End of My Rope.” – Marie

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“Dear Steve, Single, female unemployed architect for several years picking up small jobs here and there. Recently experienced a traumatic and devastating engagement breakup causing me to replace all of my belongings, while unemployed. Have gone through life savings and 401K while unemployed and temporarily disabled. $78,257 DEBT of which $23,337 is student loans (on hold), $15,853 is 2009 Federal ... Read More »

How Can I Help My Son Who Works in a Bank to Get Out of Debt Fast? – Ellen

“Dear Steve, Need help for my son to get his debt straightened out. Back in 2004, I moved to Florida to help care for my ill elderly parents. My son and daughter were staying in PA. Their dad and I were divorced, so him and their aunt were going to look after them. Dan, my son was going in his ... Read More »

I’m a Single Mother Stuck in Debt. I’m Stressed, Apprehensive, and Worried.

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“Dear Steve, Hi Steve, I am a 35 year old single mother, who has about $15,xxx.xx in credit card debt. I’ve been robbing Peter to pay Paul, and need a smart way out. Can you please give me insight, as to how I can get out of debt, without using a debt consolidating company? I’ve been considering using one of ... Read More »

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