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Tag Archives: credit counseling

Disturbing and Potentially Deceptive Move by Credit Card Industry. HelpWithMyCredit.org

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It what certainly feels like yet another self-serving action by the credit card industry, Bank of America, Capital One, Citi and Discover Card, as well as the payments networks MasterCard and Visa have launched a new website HelpWithMyCredit.org that misleads consumers. What appears to be even worse, is that a CNN personal financial reporter that I normally respect, Gerri Willis, ... Read More »

nothing

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Today, my good friend who just had a baby girl sent her newborn's pictures to me via picture message. To reply, instead of writing "Awwwwww" I wrote "Ewwwwww" by mistake. Read More »

UGH

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Today, I had to return a shirt to Target. My mom offered to do it for me on her way to work, so I gave her the shirt and receipt. Later, I realized that on the same receipt I had purchased condoms, lube, and whipped cream. Read More »

livay315

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Today, my daughters school was putting on a fashion show for charity and all the kids were supposed to ask their mothers to be in it. I asked my daughter about it and she said "well I was going to ask you, but they said only to 'ask all of your BEAUTIFUL mommies." Read More »

Crazy09

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Today, my girlfriend told me that she had an ultrasound tomorrow morning. With a confused look on my face, she said to me "don't worry, it's not yours." Read More »

schoolgrlstaci

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Today, we had a school assembly at 7:00pm about drinking and driving. There was a cop doing a demonstration of a feild sobriety test on stage. I was randomly selected to perform a breathalyzer test infront of all the students and parents. I blew. 06%. Read More »

Most Debt Advice Suggested is Snake Oil or the Wrong Solution For People In Trouble. Here’s Why.

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I’ve been following the conversations on Twitter (@GetOutOfDebtGuy) and watching what others are saying about debt management, credit counseling, debt settlement and bankruptcy and it really has me worried and concerned. I’m a guy that lived through financial problems myself and went bankrupt in 1990. I then went on to found and run a non-profit credit counseling company, Debt Counselors ... Read More »

Are the Collectors Lying to Me? – Janet

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URGENT QUESTION! Janet “Dear Steve, I am now getting phone calls from creditors with deals to wipe half off & low monthly payments – I am worried that the wiped off half will be given to a collection agency later on. Where were these people when I asked for help before I got behind? I think we should just finish ... Read More »

Debt Relief Orders Let Consumers Go Bankrupt Through Credit Counselors

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An interesting new development in the UK is the formalization of a new tool, the Debt Relief Order, to let consumers eliminate their debts under the power of bankruptcy but without all the hassle or cost. For debtors that have less than £15,000 of unsecured debt and no assets, they can go to a credit counselor, who can file an ... Read More »

Do You Recommend Credit Counseling or is There a Better Way? – Danny

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“Dear Steve, My wife and I have accumulated 40,600 in credit card debt. We are way over our heads, however, we have been able to make ALL of the payments on time. We are just barely making it though. We make over 118,000 a year together. Do you recommend credit counseling or is there a better way? Danny” Don’t miss ... Read More »

I Have Been with CareOne for 3 Months and I Am Having Difficulty Paying the $594 Monthly Payment. – Jim

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“Dear Steve, I have been with CareOne for 3 months and I am having difficulty paying the $594.00 monthly payment, behind one month on car. What can I do? Jim” 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. ... Read More »

Do We Have Any Viable Alternatives Other Than Bankruptcy? – Paul

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“Dear Steve, I have piled up over $60k of credit card debt over the past couple of years. My gross income has been in the $55k range for the past two years. I am in a business where my income should continue to grow but with minimums around $1300 per month I’m very close to falling behind on these and/or ... Read More »

Consumer Reports Debt Settlement Article to Come

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A little birdie in the wind told me that Consumer Reports is working on an article that involves debt settlement services. This person said they got the impression that the article was going to not be supportive of debt settlement companies, and in many ways, that’s a shame. Settling your debts for less that you owe can be problematic but ... 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 »

Bre Wonders Why Her Credit Report Still Shows Negative Items That She Thought Should Have Been Removed By Going Bankrupt

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Bre “Dear Steve, I filed chapter 13 bankruptcy and little to my knowledge my attorneys who represented me did not clear my credit after the filing or even in the process so in essence I still have all the listings of old creditors on my credit report and it’s a bit tasking to have them removed. Any suggestions on how ... Read More »

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