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Tag Archives: counseling program

Dave is in a CCCS Credit Counseling Program But Feeling Hopeless

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“Dear Steve, Family of 4 (13 yr & 12 yr girls). My salary = $112K, wive’s salary = $40K. Total Assets $292K (liquid $10K, autos $9, house $200, 401K $73K). Total Liabilities $204K (mortgage $112, home equity loan $41K, credit cards $24K, 401K loans $22K, auto loan $5K). Net worth = $88K. . .plummeted 35% in last year. How did ... Read More »

Teresa Writes In “I Have Too Many Credit Cards”

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Teresa “Dear Steve, I have too many credit cards. Where do I start to get rid of them? Teresa” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click Here The Answer   Dear Teresa, Credit cards don’t ... Read More »

Keith Writes in And Wants To Know “Should I Consider Debt Consolidation For a Fee?”

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Keith “I have $30,000 in credit card debt plus $160,000 in home loans and business loans. Should I consider debt consolidation from a company that charges me a fee each month?” Keith, Excellent question and my answer may surprise you, Yes! Nonprofit credit counseling programs brag that many of them are free or at a low cost, but that comes ... Read More »

Eva Has Heard Negative Things About CCCS

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Eva “Dear Steve, My husband and I just bought a home and besides the mortgage, we are in debt for $26,000. I called up my credit card companies and they said they aren’t offering lower rates to customers now. I went to CCCS website and they say lowering customers rates is one of their ways they can help out. If ... Read More »

Rita Asks “Should We Consolidate Our Debt?”

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Rita “Dear Steve, I want to pay my credit cards off. I will like to consolidate them. We are $39,000.00 in debt. HELP What should I do? Rita” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click ... Read More »

Tony Writes In “I Have Too Much Debt On My Credit Cards”

Slow and Steady Will Win The Get Out of Debt Race

“Dear Steve, How do I quickly and easily get ALL my credit cards paid off with the limited income that I have? Tony Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click Here The Answer   Tony, ... Read More »

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