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Tag Archives: debt management

I Suggest Bankruptcy Too Often, So Say Some

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I really do read all the comments, all the Twitter messages you send me and appreciate the feedback. Over time a common statement I get is about my recommendations is that people think I suggest bankruptcy too often. For more information on this topic, please see all the links in my free guide about how to deal with debt. So ... Read More »

Refunds Now Being Sent To Victims Of Express Consolidation Debt Management Services

Four years after the Federal Trade Commission (FTC) filed a case against Randall Leshlin and his debt management services company, Express Consolidation, the FTC is mailing out refund checks to almost 3,000 consumers across the country that fell victim to worthless debt management services. The reimbursement stems from a February 2009 contempt finding against Florida attorney Randall L. Leshin, and ... 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 »

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 »

How to Shop for a Good Debt Management Program

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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 you information about its programs ... Read More »

I Really Screwed Up And Need Some Direction. – Chris

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“Dear Steve, Poor, Poor, Poor money management!! I need some direction on what to do. I am terrified of bankruptcy, and want to do anything to avoid it. I have read a number of things on your web site, which I truley appreciate, and you have talked about the failure rate of so many people who try debt management programs, ... Read More »

I’ve Got Eight Kids at Home and an Upside Down Mortgage. – Justin

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Justin “Dear Steve, I have $56K in credit card debt between my wife and I. My debt is just over $22k and hers is just over $34k. I earn around $50k a yr and she only earns about $7k a yr. We have 8 kids living at home and an upside down mortgage that we owe about $200k on w/$1300 ... Read More »

Jill Says, “I’m a Stay At Home Mom. We Are Starting To Sink.”

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Jill wrote me through the GetOutofDebt.org site and asked for help. You can write me also and ask for help. “We are in a load of debt. My husband makes $90,000 a year, I am a stay at home mom. We own our home, but there is not much equity so we can’t refinance. We owe $50,000 in credit card ... Read More »

How Do I Handle the One Creditor Not in My Debt Consolidation Plan That is Suing Me? – Tony

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Tony “Dear Steve, I currently have most of all my credit cards in a debt consolidation program except one. One of them cant go on the debt program because its in litigation How do I handle that ? Tony” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of ... Read More »

I’m Enrolled in a Credit Counseling Program And Thinking About Dropping Out and Paying Creditors Myself. – Wilder

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Wilder “Dear Steve, I am enrolled in a debt management program( consolidation) for about 2 years and i am thinking to cancel my subscription and make those payments directly to the banks instead of through this consolidation agency. I wonder if the interest will go back high if I drop out of this program? I called a couple of credit ... Read More »

Why Does Credit Counseling Drop Us When We Can’t Make The Payment. – Tracy

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Tracy “Dear Steve, My husband and I are self employes and dont make a lot of money.he use to have a steady job before being laid off two yrs ago..we tried consolidating our debt and were kicked out of the program because we couldnt afford the monthly payments..now creditors are calling all day and I dont know what to say..we ... Read More »

Mary Had Her Motorcycle Repoed And Wants Your Advice

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Mary wrote in and asked the following question. “I had a motorcycle repossessed and sold at an auction. They want me to pay the entire loan and a debt collection agency has taken over. What are my options? What is the best thing to do?” – Mary Mary, I wish I had some amazing advice for you to make all ... Read More »

How You Can Get Out of Debt Fast Without Filing Bankruptcy

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So there’s this guy, Scott, who has developed an ultimate guide to getting out of debt. Sure, I’m as skeptical as the next guy but after looking over the information I was left with a problem, it looked pretty good. His information page actually contains a bunch of information that you don’t normally see which led me to believe that ... Read More »

I’ve Been on the Care One Debt Management Program For Two Years. I’m on Disability. – Laurel

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Laurel “Dear Steve, I’ve been enrolled in Care One debt management program for over two years for 4 credit cards which all are over $1400.00 I am on Permanant disability and live in New York. I am getting to the point where I don’t know how long I can stick out this situation as its a toss up between food, ... Read More »

How Do I Get Out of Debt Without a Huge Credit Card Payment Every Month? – Allison

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Allison “Dear Steve, I have too many bills and don’t make enough money. I have $12,000 dollars in credit card debt, if eliminated or reduced, I’d be able to afford to live. I am married with two children. How do I get out of debt without a huge credit card payment every month? Allison” Don’t miss our free Get Out ... Read More »

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