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Tag Archives: debt reduction

I Want to Use My Tax Refund to Pay Down My Debt. – Laurie

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“Dear Steve, Okay you asked, I have my five credit cards($850), ($120), ($140), ($870), ($550) an overdraft, gas card, timeshare, 2 car loans and a mortgage. I also have to pay my property taxes for my home($1050) and the time share($883). I want to knock out 2 cards one both under $150, and try to pay down my overdraft($1200) and ... Read More »

Judy Is Worried “Should I Save or Pay Off Credit Card?”

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Judy “Dear Steve, Should I save the amount after paying off a credit card debt or pay down another. Help please. Judy” 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 Judy, ... Read More »

Richard Writes In “How Do I My Share Of Government Money To Get Out Of Debt?”

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Richard wrote to me at GetOutOfDebt.org and asked me the question below. If you have a question you’d like to ask, just visit GetOutOfDebt.org to contact me. “Dear Steve, I keep hearing about free money from the government to pay off my debt. How can I get some of that money so I can get ride of my credit card ... Read More »

Donna Writes and Asks “What Is The Best Way To Become Debt Free The Fastest?”

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“Dear Steve, We owe about $70,000 on our mortgage (we pay $100 extra each month), we have a $110,000 equity line and about $20,000 in credit card debt. We pay extra on each but don’t seem to be getting anywhere very fast. We want to be debt free. What is the best way to become debt free the fastest. Donna” ... Read More »

San Wants To Know “We Need Some Way To Pay Off Our Debts”

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“Dear Steve, We need some way to figure out how to pay our debts off. We have credit card debt, car loan, a home equity loan that has a balloon next year, medical bills and owe a balance to my brother for his half of property we inherited jointly. We have two incomes and we should be able to live ... Read More »

Why Does My Husband Have to File a Chapter 13 Bankruptcy? – Jill

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Jill “Dear Steve, Husband has gotten soooo far into debt with his charge cards. Went to a bankruptcy lawyer and our only option is Chapter 13, for 5 years. I am not involved in it as I am not joint or nor do I own anything. We are not late on anything or behind on anything. He just owns too ... Read More »

Which Debt Should I Pay Off First, Credit Card or Personal Loan? – Sean

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Sean “Dear Steve, I’m a 20 year old college student around $2000 in debt, with two credit cards and one personal loan. What should I pay off first? The credit card with the highest balance or the one with the higher interest rate, or the loan. What effects my credit score the most? Sean” Don’t miss our free Get Out ... Read More »

I Panicked and Called a Debt Reduction Company. I’m Afraid I’ve Walked Into a Scam. – Megan

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Megan “Dear Steve, My husband and I currently have around 10-12,000 in credit card debt and medical bills. About 2 years ago, after our 2nd child was born we became unable to make the minimum payments on the credit cards (about 10 different credit cards) and we have also been unable to pay the medical bills from our son’s birth ... Read More »

How Can I Save Money and Get Out of Debt at the Same Time? – Rob

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“Dear Steve, I read an article that said if you want to pay down your debt quickly, it is ridiculous to try to save money at the same time . You should put all available funds into debt reduction so that you can snowball your payments and get out of debt faster. The conventional wisdom is to build your emergency ... Read More »

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 »

Bank of America Offers “Clean Sweep” Debt Consolidation Loan Up to $50,000. Let’s Look at The Facts And See Who Is Really Cleaning Up.

Bank of America CleanSweep Offer Envelope

In this time of great economic worry and stress, Bank of America is sending out an offer they call their Clean Sweep® – Bank of America® Debt Consolidation Plan. I thought it would be beneficial to take a close look at this offer and use it to help educate readers about what to look for and how the marketing message ... Read More »

Is Debt Consolidation a Viable Debt Solution For Unsecured Debt?

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It seems like every day the question of debt consolidation comes up and I think it is starting to drive me a little crazy. Some where in the human DNA is a gene that makes people think that when you have problems paying your bills that debt consolidation is the natural debt solution. If I had my choice I’d rather ... Read More »

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