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Ask The Get Out of Debt Experts

Terrance Says His Debt Problems Are Worse Than Anyone He Knows

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Terrance “Dear Steve, First off I’m 20 years old and have debt problems worse than anyone I know. But besides that I have payday loans, banking accounts, cell phone, and one credit card. Some happened before I was even 18. But I talked to a friend of mine who said she repaired her credit herself by just writing letter and ... Read More »

Bob Was Injured And Is Now Behind On His Credit Cards

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“Dear Steve, I’ve been out of work since 10/17/07 (Auto accident) & was let go from my job…I am trying to work with credit card companies. One said they would deffer payments for two months but close the account…How does this effect my credit score with the credit bureau? Does deffered credit card payments (by the CC company) effect your ... Read More »

Bryan Says “My Girlfriend and I Spent $60,000 Avoiding Each Other And Now I Can’t Pay”

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Bryan “Dear Steve, So I’ve managed to go and get myself into about $110k debt (I didn’t throw the $30k of student loan debt into that pile since I don’t see that as bad or ‘stupid’ debt). I make about $100,000 a year, am single and rent. How I got here… well, I’d love to claim medical problems, etc. but ... Read More »

John Wants to Know “If I Consolidate My Debt On One Account Will It Hurt My Credit Score?”

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“Dear Steve, I opened up too many credit card accounts in the past two years i recently joinend a credit union bank which offered me a chance to put all my credit cards under one account. I owe about 3,000. I also only make about 1,400 a month so at times I’m only able to make minimum payments Will putting ... Read More »

Constipated Lending Makes Economy Ill

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Our economic life cycle is dependent on all all parties doing their fair share of the heavy lifting. Finance companies and banks lend – consumers buy stuff using credit – stuff must be built – jobs are created and so forth. We keep hearing about a crushing windpipe grip on banks and the government pleading to them to lend again. ... Read More »

A Pledge And Promise I Work Hard Every Day to Keep: To Be Here For You When You Need Me

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Since my financial failure and bankruptcy I have never taken for granted the difficult and painful process of living through and surviving money troubles. I’ve walked in your shoes. I know what it feels like. I’ve felt the pain and shed the tears. I’ve been afraid and I’ve been depressed. And even though a lot of time has passed since ... Read More »

Tina Says “My CPA is Under Investigation For Fraud”

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“Dear Steve, I am currently unemployed. I have approximately $20k in credit card debt. I have been contacted by the IRS that my CPA is under investigation for fraud and I have to refile my taxes from 2002-present. So far, I owe $4k for 2007 to the IRS but have not refiled the previous years. I have completely stopped paying ... Read More »

I’m Afraid I’m Going To Get Laid Off. How Will I Pay My Bills? What Will I Do?

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“Dear Steve, When I read the news I get so afraid that I will get laidoff. Business at work seems to be slow and I find myself surfing the internet more at work and reading more of these stories about the pink slips that are coming. I’ve got bills and credit card debt to payoff and a wife and kids ... Read More »

Robert Wrote “I Do Not Know Where To Start Other Than I Am in Debt”

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“Dear Steve, I do not know where to start other that I’m in debt. I want to pay all of my credit card debt starting with my lowest and working my way to the last but I can not accomplish this while I’m paying everyone and can not make any headway. Can I just send something to the others and ... Read More »

Jennifer Says “We Have Accumulated So Much Debt And Bad Credit. What Do We Do?”

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“Dear Steve, We have accumulated so much debt our credit score is to low to even buy a house. I’ve been looking into different programs to help, unfortunately the charge money I can’t afford either, we have to do this on our own. If a creditor is offering to let you pay over 4 payments and only 55% of what ... Read More »

Samantha Says “My Husband And I Are Young And Don’t Want to File Bankruptcy. What Do We Do?”

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Samantha “Dear Steve, My husband and I are young and when we were first married times were really touch since he was self-employed and didnt always have a check coming in ends were hard to meet. Once I even had to take a personal loan out in order to keep the utilities on. Then we got back on our feet ... Read More »

Jeannie Already Went Bankrupt And Is Now With CCCS But Can’t Afford to Feed Her Daughter

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Jeanie “Dear Steve, I have already gone to bankruptcy five years ago. I am currently in credit counseling, however, I do not have enough money to provide food and clothing for my child. I am a single parent not receiving child support, I have no child support judgment. Long story, but I felt it was in the best interest of ... Read More »

John Had a Knee Operation And Says “I Can’t Pay My Bills”

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“Dear Steve, I had a knee operation will be out of work for 9 months I am $80,000 in credit card debt. My wife and I earn $4,300 a month and I pay out with mortgage and all my necessary bills, $3,800. I don’t have enough money to pay credit cards. John” Don’t miss our free Get Out of Debt ... Read More »

Pam Is Out Of Cash And Out Of Time

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“Dear Steve, I am no longer making ends meet. I have my daughters Sallie Mae $20,000 loan payments starting in one month, I can only afford to put little bits of gas in my car at a time, I have a $5,000 car loan and about $12,000 in credit cards. I have not bought anything that I did not need ... Read More »

Ed Is Scared But Courageous In The Face Of His Debt

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“Dear Steve, Let me start by saying it has been very hard for me to get to this point and ask for help. I hate that I am where I am financially (due to factors both within and not within in my control). I’m 45 years old and for most of my life used to stay very on top of ... Read More »

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