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Tag Archives: ashamed

Bank of America Sold My Debt to North Star. What Now? – Jane

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“Dear Steve, Bad credit due to financial hardship/reduction in my income. My Bank of America was charged off and sold to North Star last Feb. 28, 2013. North Star has called but I have not answered. My question is should I contact them and pay this debt or just not contact them at all. I want to work on getting ... Read More »

I’m So Afraid, Scared, and Ashamed About Bankruptcy. – Jack

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“Dear Steve, I’m 75K in credit card debt. My take home pay is 3136 a month. My monthly expenses plus credit card bills equals 3172. I have $900 in savings. This doesn’t include my $5100 tax bill due in 6 months or groceries. I’ve been barely able to make ends meet and I put groceries on my cc. Now I ... Read More »

I’m Too Proud to Consider Bankruptcy. – Todd

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“Dear Steve, I have lived with debt most of my life. Parents divorced and on my own since 19. I put myself through school and lived off of credit cards while doing it. I never have caught up. I am now married with two kids. We were fine with the debt we were accumliating since you never know how long ... Read More »

I Suffer From Depression, Cashed Out My 401k to Pay Bills and I’m Now Being Sued. – Johnny

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“Dear Lewis, I have suffered from depression all of my adult life. I lost my good job several years ago, then got much sicker during the next year. I didn’t work at all for 3 years, now part time for the past 4. I was hoping to have remissions as I did in the past, but it has not happened. ... Read More »

This is a Scary Time in My Life. I’m Worried About Filing Bankruptcy. – Karina

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“Dear Steve, This is a scary time in my life. I am self-employed. I am 57 years old, single, and live alone in an apartment in San Francisco. Following my divorce three years ago, after 18 years of marriage, I found myself in the position of not being able to pay monthly expenses on my income alone. My apartment is ... Read More »

I Feel So Embarrassed, Ashamed, and Without Hope Because of My Debt. – Karen

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Karen “Dear Steve, I am 62, divorced, working full time and heavily in debt. I tried Consumer Credit counseling, Debt Settlement by closing what little 401K I had and finally have filed for bankruptcy. My court date is in 1 month and I just received an audit from the IRS and find I owe another 5000 due to my own ... Read More »

You May be Down and Unemployed But You Are Still a Hero to Me.

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When I was growing up my Dad found himself unexpectedly unemployed. He went from being an executive to without work, through no fault of his own. I often think back about those days as I read the emails of people that write to me for help who are now unemployed and struggling. I asked my father to share with you ... Read More »

Holly Writes In “I’ve Kept This Secret From Him For a Long Time.”

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Holly wrote in and asked her question through the GetOutofDebt.org site. You can too. “Hey there, I have been with my boyfriend awhile now, and we’ve just started to talk about purchasing a house and getting a joint credit card. We’ve never discussed finances further than how much money we make per year. I have bad credit, and I’m pretty ... Read More »

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