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Tag Archives: credit counseling

Can My Wife and I Independently Go Into a Debt Relief Program? – Paul

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“Dear Damon, My Wife just closed her business and the outstanding unsecured debt is about 100K. My personal debt is about 38K. I want to go on a debt relief program where a company negotiates a reduced amount and interest. She does not want to do this for her debt load. Can we independently arrange for debt relief? I want ... Read More »

Debt Settlement: Top Ten Most Misunderstood Facts

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Over the past few years debt settlement has been in the news, not always in a good way. Many consumers have complained about the services they’ve received while some have been very happy. Much of the disparity in the perception of the service is due to misconceptions about the process itself. So here are the top ten misconceptions I see ... Read More »

Some Credit Counseling Groups Not Optimistic About Future. Looking to Merge.

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So much of the past year or so has been directed towards the debt settlement world. The credit counseling world has just be slowly ticking away and watching their funding shrink from creditors. Funding may be shrinking even more now that the U.S. government is looking for places to cut back. Significant cuts in funding for HUD housing counseling are ... Read More »

The FTC Does Not Want Debt Settlement to Survive

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A tipster (send in your tips here) sent in the following comment I wanted to address. But now that debt settlement is dwindling, it is clear the FTC wants this industry not to survive or rebound. DS needs internet marketing. FTC is shutting down lead gens, who are not companies, and pretty much everyone right now. photo © 2008 Hazrulnizam ... Read More »

Credit Counseling Missing the Boat by Fighting With Debt Settlement

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A tipster (send in your tips here) sent me an email outlining how a number of credit counseling groups are funding a campaign to try to “expose bad debt settlers.” And while the campaign has been ongoing for over a year, changes in the debt settlement world these days have little to do with a campaign against specific debt settlement ... Read More »

SteveSavers – Group Discounts to Save Big Bucks on Debt and Credit Help

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Today I’m announcing a new free service of the GetOutOfDebt.org site, SteveSaver’s. So what is a SteveSaverTM you are probably asking? There are a number of areas that people spend money on credit and debt issues. They spend money on credit counseling, credit reports, credit scores, debt settlement services, etc. So I thought, let’s bring group saving discounts offers to ... Read More »

How Can We Reduce Our Interest Rates So We Can Pay Our Own Way? – Joan

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Husband out of work, medical bills billing up only 1 income and starting to slide downhill on higher interest crds would like to know if we can reduce interest rates and late fees on some of the cards, where as some of the cards have ok interest rates dont want to declare banko would like to pay our way Joan ... Read More »

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 »

I Was Looking Into Consumer Credit Counseling. – Linda

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I need to get help from a debt counseling company. I was looking into Consumer Credit Counseling since that is suppose to be the best one to go to. I want to find out if you have any knowledge of how they operate and are the legitimate or not. I don’t want to get scammed as I have before. I ... Read More »

How Do I Get the Credit Card Company to Lower My Payment to What I Want? – Sally

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“Dear Steve, My husband almost died due to an abscess on his liver. Medical bills piled up. Then he lost his job. Then I lost my job due to budget cuts. Currently my husband is unemployed, and I am working, but for less than my last job. Credit cards were used for everyday items such as food. Had been paying ... Read More »

I Don’t Want to Use a Credit Counseling Agency. What Can I Do? – Denise

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“Dear Steve, I need help with my credit card debt. I owe $20,000. I live in New York State. I only make $35,000 a year. I always pay them every month and on time. I pay about $500 a month with 11% interest. Is their any good government programs that can help me with this debt. I don’t want to ... 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 »

Only Making Minimum Payments And Can’t Get Out of Debt. – Debbie

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“Dear Steve, I owe $10,000 on four credit cards and can only make the minimum payment. I will never get these debts paid off. I am not behind but I’m having a hard time making them. Debbie” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, ... Read More »

It’s Frustrating to Make Minimum Payments But Feel Like We Are Getting Nowhere. – Kristen

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“Dear Steve, Currently my husband and I have over $35,000 in credit card debt which has accumulated throughout the past few years when I was a stay-at-home mom and getting by was difficult. We are now both full employed and making over $80,000 a year in householod income, and we’re able to make all of our minimum payments on time ... 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 »

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