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Questions Answered by User Comments

I’m Sick and Tired of Being Sick and Tired. – Paul

justball-144x125

“Dear Steve, Im sick and tired of being sick and tired need a job desperately cause SSD payments are not enough, Cant buy food,power, water,phone, medicines, etc. other than SSD payment wife works part time only job she can get, were about to loose home, car, sanity etc. How does a severely physically disabled adult return to woks after having ... Read More »

Recently Divorced Mother of Three Has Credit Card, Medical and School Debt. – Gail

justball-144x125

“Dear Steve, Recently divorced mother of 3. I still have a great deal of credit card, medical and school debt. I am only working part time and would really like to begin making some type of payments to my creditors no matter how small until my emploument situation emproves. Should I contact each of my creditors and how do I ... Read More »

My Credit Score is Low. How Do I Fix It? – Brook

justball-144x125

“Dear Steve, The collections on my credit score are very high and I am overwhelmed how to fix it. However I don’t want to get scammed by a credit repair services but I really need some help! Where do I turn for help? Brook” Read More »

We Had to Charge Some of Our Daily Expenses to Get By. – Tracey

justball-144x125

“Dear Steve, My husband and I have over $65,000 in credit card debt. We have to charge some monthly payments, such as insurance, and all of our daily expenses so that we can pay all of our bills on time. This, of course, just makes the credit card bills continue to go up. Bankruptcy is not an option because I ... Read More »

Retired With Debt on Social Security. What Should I Do? – Kent

justball-144x125

“Dear Steve, Retired one year ago.Have $37,000 in credit card debt.Payments total $1,200 and my SS is $20,000. I am not behind but struggle to make payments. Several cards have uped my rate to 30.0% only do to my debt to income ratio.Again, not behind but getting nowwhere with cards increasing rates. Considered Banko or walking away. Could you help. ... Read More »

I Have Bad Credit From a Bad Relationship. – Meranda

justball-144x125

“Dear Steve, I have bad credit because I got in a relationship very young and have credit cards maxed and a few things in collection. Now I have 2 children and am not working I am on maternity leave and really want to get out of a bad relationship. I have looked at renting at another location but found out ... Read More »

I’m in My Second Year of Law School and Want to Drop Out. But What About My Loans? – Brad

justball-144x125

“Hi Steve – I’m currently in my second year of law school and am really thinking about getting out. I’m worried about the roughly $100k in student loans I’ll have to start paying back though, not to mention living expenses and almost $9k in credit card debt I accrued as an undergrad. If I do drop out, I’ve considered going ... Read More »

I Did Not Realize That the Interest Racks Up on a Credit Card Bill. – Susan

justball-144x125

“Dear Steve, I did not realize that the interest racks up a credit card biil like it does. One late payment (about 1 hour late) has made my interest go up to astronomical proportions. I haven’t used my card in over a year. I pay regular payments, my bill goes even highr with each payment. I have probably charges about ... Read More »

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