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Tag Archives: collections

I Left My High School Sweetheart and Now My Credit is Trashed. – Christine

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I left my high school sweethart four years ago which put me in my own apartment. I had a great job at the time and got laid off about one year later.. I have about six credit cards which are all in collections after the past two years. I do work full time but i don’t make even half of ... Read More »

What in the World Do I Pay First to Clean Up My Credit Report? – Susan

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“Dear Steve, I have a lot of charge offs and medical bill collections, I also have a few good accounts on file. What in the world do I pay first to clean my report up? Susan” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, ... Read More »

We’re Behind on Bills and Debt Collectors Are Threatening to Sue Us. – Krisstina

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Krisstina “Dear Steve, We’re behind on bills. My husband had to leave his former job when he worked as a delivery driver for a furniture company and his pay became almost non-existant for a few months until he could find another job. We were good enough to stay afloat for a while we were ahead of our mortgage payments and ... Read More »

What Do You Think Would Be The Best Way to Deal With This Debt? – Harold

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Harold “Dear Steve, I have credit card debt of about $30,000. I was out of work for awhile, I tried the self employment thing for several years but couldn’t get ahead with that. I now have a decent job, the pay is only about $23,000 a year but it is steady and it’s government and five minutes from my house. ... Read More »

I Have an Account With HSBC And They Don’t Want to Settle. – Arvin

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Arvin “Dear Steve, I opened an account with HSBC in 2004 for $1,600. I have been making my monthly payments even more than the minimum monthly payment required. However, due to my current financial hardship, I was not able to pay monthly. The interest rate is 23.80% and penalties kept adding to my account in the amount of $39.00. The ... Read More »

I Lived in California and Had a Debt I Did Not Pay. I Now Live in New Jersey. – Monika

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Monika “Dear Steve, I lived in California when I incurred credit card debt of $1300 in 2003. In 2005, I got married and moved to Texas and have been uemployed since then to pursue higher education. In 2009, I moved to New Jersey and started getting mails and phone calls from a collection agency regarding $1300 debt. I ignored them ... Read More »

I Owe on a Cell Phone Bill for Downloads That Are Not Mine. – L

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L “Dear Steve, There is an outstanding cell phone bill from more than 6 years ago that the phone co kept adding download charges to for a phone number that had been terminated by us. We tried to have the situation resolved and even offered to pay only what we knew we owed if they took the other charges off ... Read More »

My Daughter Took Out Student Loans. I Couldn’t Co-Sign. Her Grandmother Did. Now She Can’t Pay. – Lorrie

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Lorrie “Dear Steve, Four years ago my daughter decided to go back to school. She took out student loans through Sallie Mae. I tried to co-sign for her but was turned down… my mother was not. So now we have a problem of course, my daughter has 2 children, no job and the ex-husband doesn’t work either. My mother (the ... Read More »

I Have Several Credit Cards That I Haven’t Been Able to Pay On. – David

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“Dear Steve, I have several credit cards that I haven’t been able to pay on, I am currently paying on one of them, Im just now starting to get calls from lawyers for collection. My wife and I also have a time share that we havent been able to use let alone afford, we havent made payments on that either. ... Read More »

Why The Debt Collector Works Hard to Manipulate You

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So you’re a debtor and this is your first time in financial trouble. It is scary, frightening and you are completely stressed out. Some people even kill themselves over the debt. The last thing you want to see are late notices or get calls from the debt collector. You’re just not that experienced playing the role of the debtor in ... Read More »

I Want to Hide From My Creditors – Janet

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“Dear Steve, If I don’t pay unsecured creditors like personal and business lines of credit and I disappear as you have described. What can the creditors do to collect? Do they look for corp bank accounts I might have created? Janet” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for ... Read More »

Would You Like to Be a Debt Collector?

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Recruitment Video For Debt Collectors This recruiting video for a major banks debt collection department is very interesting if you listen closely to the words. I’d suggest that you even consider watching it with your eyes closed. I think you’ll find the video a very interesting approach to try to put a positive spin on what can be a very ... Read More »

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