From How to Get Out of Debt

My husband suffers from severe depression and has lost 2 jobs in the last 2 years leaving me financially vulnerable. I need to plan my finances as if I were the only one bringing in an income. I have 2 children…1 in college with tuition costing me $25,000/year. I currently own a home worth $330,000 [...]

Read the full article at GetOutOfDebt.org, click here: Spouse suffers from severe depression. Should I cash out IRA funds to get mortgage to a manageable amount? – Sue

From How to Get Out of Debt

I was out of work for almost a year and I also had an online smoking accessory company. Mostly lighters, ashtrays and cigar/cigarette cases but that went out of business this summer. My credit card debt went pretty high because of the trying to maintain the smal business and living day to day while I [...]

Read the full article at GetOutOfDebt.org, click here: Bankruptcy right for me???

From How to Get Out of Debt

“Dear Steve, My son just returned from Afghanistan, and he is very messed up w/ PTSD! He was on the frontlines for 9 months, and now he is home and up to his ass in debt, the US Government does not care about these kids, how do i get him help, he is depressed and [...]

Read the full article at GetOutOfDebt.org, click here: My Son Just Returned Home From Active Duty in Afghanistan With PTSD and Debt. – Lori

From How to Get Out of Debt

“Dear Steve, Began 1 of 2 attempts at medical school 20 years ago. Am soon going to be 54 yo. After roughly 2-3 years of trying to make it work, I was dismissed due to poor grades. I was battling something… but didn’t know what. One Dr said depression, another said ADD. In 2004, the [...]

Read the full article at GetOutOfDebt.org, click here: I’m Paralyzed With Fear Over My Student Loans. – Deni

From How to Get Out of Debt

“Dear Steve, I went to college and then to Medical college and have about $190k in studnet loans. Originally it was 160K but I did not pay first two year so residency so the loans became 190K last two year I have been paying minium about $18,000 each year but that only covers interestes. Year [...]

Read the full article at GetOutOfDebt.org, click here: My Severe Depression is Preventing Me From Paying My Medical School Student Loans. – Sayta

From How to Get Out of Debt

Stanley Thornton, Jr. was featured, not too long ago, on an episode of National Geographic’s television show, “Taboo” where his life of living as an Adult Baby was showcased. When I first came across this news story I immediately thought of an episode of CSI I had seen once of an adult man living his [...]

Read the full article at GetOutOfDebt.org, click here: Adult Baby Continues To Receive Social Security Benefits – Fraud Allegations Dropped

From How to Get Out of Debt

“Dear Lewis, Have spoke with a local reliable debt relief service. They sent me papers on all my credit, debt/income ratio. Even though it’s grim, they did not say bankruptcy, but left it up to me. My credit score is 750, but my income does not outway the credit card debt, $24,000. Many medical bills [...]

Read the full article at GetOutOfDebt.org, click here: Debt Relief Service Did Not Mention Bankruptcy to Me But Debt Settlement Lawyer Did. – Patti

From How to Get Out of Debt

“Dear Steve, I am stressed feeling trapped in an employment contract that I signed for 3 years. In this contract states that if i am to resign before 3yrs, i would have to pay 6x of the stated salary which would sum up to 17K and 3monts notice or 3x salary on top of the [...]

Read the full article at GetOutOfDebt.org, click here: I Hate My Job, My Boss is a Jerk, I’m Stressed, And Want Out. – Jamie

From How to Get Out of Debt

In all sorts of corners of life we now assume that it is wrong to not treat others well. For example, in the U.S. we no longer have separate entrances based on the color of your skin. Buildings make allowances for physical limitations and a recent news story said that more people have developed a [...]

Read the full article at GetOutOfDebt.org, click here: Debt With Dignity

From How to Get Out of Debt

“Dear Lewis, I have suffered from depression all of my adult life. I lost my good job several years ago, then got much sicker during the next year. I didn’t work at all for 3 years, now part time for the past 4. I was hoping to have remissions as I did in the past, [...]

Read the full article at GetOutOfDebt.org, click here: I Suffer From Depression, Cashed Out My 401k to Pay Bills and I’m Now Being Sued. – Johnny

From How to Get Out of Debt

“Dear Steve, I lost my job in January. I never really saved outside of a two month rainy day fund. I’ve used most of my savings to pay bills until I can land a new job at my old salary…still waiting. I’ve fallen behind on the mortgage, utilities, car, loans, etc. I’ve fallen into a [...]

Read the full article at GetOutOfDebt.org, click here: I Often Think About Suicide to Ease My Pain of Debt. – Pete

From How to Get Out of Debt

“Dear Steve, Wife and I both had decent paying jobs and able to spend as much as we wanted, she lost her job and soon after unemployement debt I no longer had the overtime,bonuses and other perks, and 2 kids came along. we acrued a debt of 26k and now it is about to go [...]

Read the full article at GetOutOfDebt.org, click here: I’m Losing Control of My Sanity Because of My Debt. I’m Having Bad Thoughts. – Frank

From How to Get Out of Debt

“Dear Steve, I am a single mom who has gotten in over my head in debt. There are many factors which include loss of job for several months, living off credit while I went to school full time, trying to work for myself now which is a slow start and just enough income for us [...]

Read the full article at GetOutOfDebt.org, click here: I Have a Sick Great-Aunt That Needs My Help But What About My Debt? – Amber

From How to Get Out of Debt

In all sorts of corners of life we now assume that it is wrong to not treat others well. For example, in the U.S. we no longer have separate entrances based on the color of your skin. Buildings make allowances for physical limitations and a recent news story said that more people have developed a [...]

Read the full article at GetOutOfDebt.org, click here: Debt With Dignity. Debt, the Modern Day Leprosy.

From How to Get Out of Debt

“Dear Steve, I am asking the question for someone else. I help people with setting up budgets and I do not know how to answer this question for this woman that I am helping. She is a single mom with a 18 yr old daughter that does not drive. She lost her job in Oct [...]

Read the full article at GetOutOfDebt.org, click here: My Friend Can’t Afford Her Car. What Do We Do? – Vivian

From How to Get Out of Debt

Gerri Detweiler and I talked recently via Skype video about debt for a video blog she did for DebtConsolidationCare.com. Below you will find our discussion which surrounded the issues I brought up in my article The Honest and Unvarnished Truth About How to Get Out of Debt. @GetOutOfDebtGuyOther Related Articles to ReadHow to Get Out [...]

Read the full article at GetOutOfDebt.org, click here: Gerri Detweiler and I Talk Honestly About Debt

From How to Get Out of Debt

“Dear Steve, I am 51 year old woman with a husband and two kids 21 and 17. been married for 32 years. the last few years or more i should say things just have gotton way out of control. i work two jobs and hubby one. i have always supported my kids to do there [...]

Read the full article at GetOutOfDebt.org, click here: I Need to Get Out of Debt But Not Let My Husband Know. It Needs to be a Secret. – Karen

From How to Get Out of Debt

“Dear Steve, My husband and I lived in a nice house with our five kids. He made six figures until his business went under in 2007. We filed for bankruptcy in 2008 thinking we could save our house and car. We ended up losing the house anyway because our trustee payment was $900 and they [...]

Read the full article at GetOutOfDebt.org, click here: I Just Want to Run Away From This Financial Mess. – Denise

From How to Get Out of Debt

Get out of debt w/o hurting credit score Consolidated 12,000.00 of credit card debt with revolving credit line a year and a half ago and still paying 401k loan I used to pay off my car. Then had to have root canals and crowns and up to another 3,000.00 of dental debt with a grand [...]

Read the full article at GetOutOfDebt.org, click here: I Was Trying Dave Ramsey But How Do I Get Out of Debt Without Hurting My Credit Score? – Susan

From How to Get Out of Debt

I am a senior at [X] State University. I grew up with both of my parents my entire life with little to no financial difficulties. Over the past few years my father has hit rock bottom with depression over the loss of money that he has being going through. My dad is a Self-Employed Contractor [...]

Read the full article at GetOutOfDebt.org, click here: I’ve Lost My Father to His Debt. – Nicole

From How to Get Out of Debt

“Dear Steve, I am a single male, 46, with no children or other dependents, living in the San Diego California area. I was laid off and have been unemployed since Jan 2010. I have a monthly mortgage of almost $3000 that has gone unpaid since May 2010. The mortgage total owed is $400,000. I have [...]

Read the full article at GetOutOfDebt.org, click here: My Debt is Overwhelming and I’ve Had Some Very Dark Thoughts Lately. – Lee

From How to Get Out of Debt

“Dear Steve, Since 2007, we have had the time of “Job”. From 2007 to Present we have lost, most, just one month apart, 8 deaths, including 3 parents. In the process the stress caused medical and marital consequences to our family. Recession took hold and I became a displaced worker. Miraculously, my spouse, (out of [...]

Read the full article at GetOutOfDebt.org, click here: We’ve Lost Three Parents and Had Eight Deaths in Three Years. – B4lee

From How to Get Out of Debt

“Dear Steve, Back when I was good at making God behave I was a pharmaceutical salesperson making over $90,000 a year. I had no credit card debt and purchased a home that I could easily afford. I also had $150,000 in my 401k and was and was starting to put money in a Roth IRA. [...]

Read the full article at GetOutOfDebt.org, click here: Back When I Was Good at Making God Behave I Was Making Good Money – Julie

From How to Get Out of Debt

Here is an excellent video that was sent to me by a friend which contains 44 perfect life lessons for debtors. The video helps to put what really matter into perspective and to refocus us to realize that while debt is painful and immediate there are still joys and opportunities around for us to still [...]

Read the full article at GetOutOfDebt.org, click here: 44 Lessons in Life for Debtors

From How to Get Out of Debt

“Dear Steve, My name is Ryan, I am 24 years old. I have some debt issues that are scaring me and I am hoping you can point me in the right direction because, honestly, I don’t know where else to go. In 2008 I was eager to get back into school and finish up my [...]

Read the full article at GetOutOfDebt.org, click here: I Have Some Debt Issues That Are Scaring Me. – Ryan

From How to Get Out of Debt

“Dear Steve, Currently I’m not making enough to cover my bills. I am an independent self-contractor (not by choice – just happened) & my pay varies per customer service email I answer within One Week (1 random email is chosen each week to grade and it’s either 90 cents or 62 cents) Luckily I have [...]

Read the full article at GetOutOfDebt.org, click here: I’m Depressed, Anxious, and in Debt. – Victoria

From How to Get Out of Debt

“Dear Steve, I was laid off a year ago and apply to jobs/agencies daily to no avail. I am using up what little money I got from a slip and fall lawsuit that I had to accept a horrible offer on which is my small savings acct. and I am really scared – once it’s [...]

Read the full article at GetOutOfDebt.org, click here: I Am Unemployed and Can’t Pay My Charge Card Bills. – Fran

From How to Get Out of Debt

“Dear Steve, I’ve been with my husband for over 18 years. The first five years or so we were always able to work together on our finances, and be supportive of our situation as a team. We both worked equally, and contributed equally for the most part. Around 2000 we decided to take a chance [...]

Read the full article at GetOutOfDebt.org, click here: I’m Drowning Under the Pressure of Keeping Us Afloat When He Can’t Participate. – Deborah

From How to Get Out of Debt

As a student of the history of debt, having lived through debt problems myself, and having founded and run a credit counseling organization I have a very unique view from inside and outside the debt world. If there were mistakes and beliefs to be had, I’ve had them. If there perceptions about debt, they’ve floated [...]

Read the full article at GetOutOfDebt.org, click here: How to Get Out of Debt. The Honest and Unvarnished Truth.

From How to Get Out of Debt

Mel wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: I Have Mental Health Issues. How Can I Reduce My Debt? – Mel

From How to Get Out of Debt

A recent study at Ohio State University found that people with financial problems, in particular credit card debt, suffered from more emotional problems than those who didn’t have money-related stress. When you stop and think about it, it really is not surprising that cash, or the lack of it, so greatly affects our emotions. Money [...]

Read the full article at GetOutOfDebt.org, click here: Money and Stress: How to Keep Your Money Worries From Killing You

From How to Get Out of Debt

Thu wrote to me through the GetOutOfDebt.org site and asked me the following question. If you have a question you want to ask, visit the GetOutOfDebt.org site and ask. I’m here to help for free. “Dear Steve, I’m married, my husband is disabled. I have 3 growing children and a 6 year old disabled child. [...]

Read the full article at GetOutOfDebt.org, click here: Thu Wrote Me And Said “I’m Really Struggling, My Husband is Disabled, How Can I Get Out Of Debt?”

From How to Get Out of Debt

Louis wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: Louis Says “I Feel Like Killing Myself Because of My Debts”

From How to Get Out of Debt

Janet wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: Should I Just Stop Paying My Bills? – Janet

From How to Get Out of Debt

Robin wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: I’m a Divorced Single Mother and Trying to Make it on Social Security. – Robin

From How to Get Out of Debt

“Dear Steve, My husband took over our bills several years ago. During that time he became depressed. To make a long story short, he is now on depression medication and ready to deal with these problems and they are big. We owe about 80,000 including student loans. We refi the house 2 years ago and [...]

Read the full article at GetOutOfDebt.org, click here: My Husband is Now on Depression Medication and Ready to Deal With Our Money Problems. – Donna

From How to Get Out of Debt

“Dear Steve, At the moment, I’m overwhelmed to the point where I’m not sure what to do. Last year my [redacted]. I find myself in over my head with credit card debt. In the middle of such grief, you’d think debt would be the last thing on my mind, but it is only adding to [...]

Read the full article at GetOutOfDebt.org, click here: I’m Buried in Grief and Trying to Deal With My Debt. – Rebecca

From How to Get Out of Debt

On the way from a weekend visiting really good friends and having lots of laughs, yesterday I was talking with Pam in the car, in the rain, and on cruise control. I was just thinking back on how all the difficult moments of our nearly 28 year relationship have changed our course. There was the [...]

Read the full article at GetOutOfDebt.org, click here: You Ain’t Your Fucking Debt

From How to Get Out of Debt

“Dear Steve, My boyfriend was divorced last year. His ex-wife “walked away” from their marriage, but not before charging up the credit card balances substatially. She decided she didn’t want to deal with their newly purchased home, so she legally signed her rights away and he bought her out for $1.00. After adding lawyer divorce [...]

Read the full article at GetOutOfDebt.org, click here: Boyfriend is Paralyzed With Debt After Divorce. – Michelle

From How to Get Out of Debt

“Dear Steve, Credit card debt after being divorced, unable to work, no income, but paying the minimum on it. I need out, it’s stressing me too much and hurting my health more, when I already have bipolar and clinical depression disorders. I used the sale of my car to pay off the one, but I [...]

Read the full article at GetOutOfDebt.org, click here: I Already Have Bipolar and Clinical Depression Disorders With Panic Attacks and Now Debt. – Kilandra

From How to Get Out of Debt

I thought you might be interested in some recent search requests from visitors. It helps to give you a snapshot of what is on the minds of people looking for help. hide phone number from debt collectors how to get out of deebt experts advice on getting rid of debt better management of credit rating [...]

Read the full article at GetOutOfDebt.org, click here: Recent Searches for Debt Advice

From How to Get Out of Debt

ChevGirl wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: ChevGirl Writes In And Says “My Marriage is Suffering Because of Our Debt”

From How to Get Out of Debt

Tamara wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: My Husband Has Chronic Depression, is a Process Server, and in Debt. – Tamara

From How to Get Out of Debt

Laurel wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: I’ve Been on the Care One Debt Management Program For Two Years. I’m on Disability. – Laurel

From How to Get Out of Debt

Reggie wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: Am I Dead Meat? – Reggie

From How to Get Out of Debt

This is a previous study that I participated in but it is still relevant and important to understand the relationship between debt and depression. Nearly half of the people who have problems with debt are experiencing symptoms of depression, according to a survey by Myvesta, a nonprofit financial crisis center. The survey found that 49.3 [...]

Read the full article at GetOutOfDebt.org, click here: Survey Finds Debt Equals Depression For Many: Women at risk to suffer with financial depression

From How to Get Out of Debt

Calvin wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: I’m a College Student and I Feel Suicidal Because of My Debt. – Calvin

From How to Get Out of Debt

Kevin and I met through Twitter and we made arrangements to meet up on my travels around the country. I’m @GetOutOfDebtGuy on Twitter. On August 1, 2009 I had the pleasure of meeting Kevin, sitting down in a local coffee shop and talk about his debt. He was kind enough to share what it was [...]

Read the full article at GetOutOfDebt.org, click here: Kevin in Roanoke, VA Talks About His Debt

From How to Get Out of Debt

Laura wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: My Son Has Aspergers, Autism, Anxiety, Depression and College Credit Cards. – Laura

From How to Get Out of Debt

Michael wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: I’m in Debt Because of Too Much Fish. – Michael