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Tag Archives: credit counseling

Government Help With Credit Card Debt

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A question I am getting asked more and more is about what programs the government offers to help you get out of debt or to eliminate credit card debt. These questions usually involve inquiries about government grants and loans that people hear whispers about that they believe will dispose of problem debt as well. Up until this point there has ... Read More »

April Wants To Know “As A Single Mom, How Do I Get Out Of Debt?”

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“Dear Steve, Mounting credit card debt is getting difficult to pay. I’m thinking of just ONLY taking care of house, car, utilities, food, insurance. I’m a single mother of two kids and get no child support. I’ve worked so hard for good credit and I am losing it. What do I do? Not pay and wait for it to wipe ... Read More »

Therapist: Financial Infidelity Can End Couples

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Therapist: Financial Infidelity Can End Couples Fox5 KVVU, NV - 41 minutes ago It can be anything from keeping credit card debt a secret to hiding money from a spouse. "I'd say finances and financial stress is one of the number one ... Read More »

The Perfect Debt Assistance Program

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I can dream, can’t I? If I could get a wish for debtors it would be to wave a wand and implement this perfect debt assistance or debt relief program. Here is what the program would look like. A Sliding Scale Nominal Charge – Consumers would have to pay a sliding scale setup fee. It is too expensive to start ... Read More »

Is Consolidating Debt the Way to Go? – American Chronicle

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Is Consolidating Debt the Way to Go? American Chronicle, CA - 21 minutes ago ... the debtor to discharge their debts by filing for payday loans in recent years, offering some contrast to the get-out-of-debt ads we´re bombarded with. ... Read More »

Debt Counselors of America – What I Learned

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In 1994 I decided I would start a non-profit charity to help find good solutions for bad debt problems, all I really knew was that I wanted to help people. Almost every organization at the time was named something with credit counseling in it. I figured that I did not want to counsel people about credit, but about debt, so ... Read More »

I’m Afraid I’m Going To Get Laid Off. How Will I Pay My Bills? What Will I Do?

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“Dear Steve, When I read the news I get so afraid that I will get laidoff. Business at work seems to be slow and I find myself surfing the internet more at work and reading more of these stories about the pink slips that are coming. I’ve got bills and credit card debt to payoff and a wife and kids ... Read More »

American Express Customers: Don’t Try This At Home

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I hate writing these kinds of stories. On the one hand, it will help those who are currently doing -- or thinking about doing -- what I am about to write about. On the other hand, there will be some readers who will now go out and do exactly what I am trying to dissuade them from doing. That said, I can't control what my readers do. They'll do what they're going to do. Here's the deal. A Read More »

Bogus and Scam Credit Counseling Groups Become Target Of Florida Legal System

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TALLAHASSEE, FL – Attorney General Bill McCollum today unveiled his office’s latest consumer protection initiative in the form of a coordinated enforcement effort targeting potentially improper tactics in Florida’s debt relief industry. In a statewide initiative, the Attorney General’s Economic Crimes Division has taken legal action against five companies and opened formal investigations into the practices of an additional five ... Read More »

Searching For a Debt Consolidation Loan or Credit Card Counseling Service

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When faced with credit card debt and suddenly looking for a credit card debt payoff it is not unusual for people to search out solutions they feel might be able to provide debt consolidation for bad credit. See if this sounds familiar, you wake up, in the middle of the night, worried about your debt problems. You know that the ... Read More »

Jeannie Already Went Bankrupt And Is Now With CCCS But Can’t Afford to Feed Her Daughter

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Jeanie “Dear Steve, I have already gone to bankruptcy five years ago. I am currently in credit counseling, however, I do not have enough money to provide food and clothing for my child. I am a single parent not receiving child support, I have no child support judgment. Long story, but I felt it was in the best interest of ... Read More »

John Had a Knee Operation And Says “I Can’t Pay My Bills”

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“Dear Steve, I had a knee operation will be out of work for 9 months I am $80,000 in credit card debt. My wife and I earn $4,300 a month and I pay out with mortgage and all my necessary bills, $3,800. I don’t have enough money to pay credit cards. John” Don’t miss our free Get Out of Debt ... 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 »

Crys Writes In And Asks “We’ve Been to Credit Counseling But Should We File For Bankruptcy?”

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“Dear Steve Hi! I am a piano teacher, and due the bad economy have very few students, even though I am used to having plenty. We just moved because we could no longer afford where we lived. We gave up our house in a deed in lieu of foreclosure. My husband took a cut in pay. We owe about $400 ... Read More »

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