Tag Archives: credit counseling
- Credit Counseling Missing the Boat by Fighting With Debt Settlement
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 [...]
- SteveSavers – Group Discounts to Save Big Bucks on Debt and Credit Help
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 [...]
- How Can We Reduce Our Interest Rates So We Can Pay Our Own Way? – Joan
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 [...]
- Dave is in a CCCS Credit Counseling Program But Feeling Hopeless
“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% [...]
- I Was Looking Into Consumer Credit Counseling. – Linda
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 [...]
- How Do I Get the Credit Card Company to Lower My Payment to What I Want? – Sally
“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 [...]
- I Don’t Want to Use a Credit Counseling Agency. What Can I Do? – Denise
“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 [...]
- Teresa Writes In “I Have Too Many Credit Cards”
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 [...]
- Only Making Minimum Payments And Can’t Get Out of Debt. – Debbie
“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, [...]
- It’s Frustrating to Make Minimum Payments But Feel Like We Are Getting Nowhere. – Kristen
“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 [...]
- Keith Writes in And Wants To Know “Should I Consider Debt Consolidation For a Fee?”
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 [...]
- How to Shop for a Good Debt Management Program
You deserve to feel completely certain that you’ve picked the best organization to help you solve your financial issues. We’ve prepared this list of questions to help you find the right organization to represent you. 1. Will You Send Me Information About Your Organization and Programs? A credit counseling organization should be willing to give [...]
- Carol Wrote Me And Asked “Would You Advise Debt Consolidation?”
Carol “Dear Steve We are in debt up to our eyes. We are not behind in anything. We didn’t want to get to that point. We were denied financing our house for a longer period of time–our debt to credit ratio wasn’t good enough. However, we didn’t want to borrow any extra money. Would you [...]
- Lauren is Searching For Ways to Get Out Of Debt And Make Her Bad Credit Go Away
“Dear Steve, If I find a consolidation company to help me pay my bills will my bad credit go away? Lauren” 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 [...]
- I Am in a Debt Management Plan With Only $100 a Month to Spare. – Lynn
“Dear Steve, I have about 24000 in debt credit cards and loans. I was in a debt management plan about 5 months ago with a local company. I was off of work for a sort time. What I currently pay out now i have about $100 left each month to live on. If I decide [...]