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Tag Archives: depression

Debt Relief Service Did Not Mention Bankruptcy to Me But Debt Settlement Lawyer Did. – Patti

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“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 & drug co-pays even with ... Read More »

I Hate My Job, My Boss is a Jerk, I’m Stressed, And Want Out. – Jamie

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“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 6x salary which i need ... Read More »

Debt With Dignity

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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 tolerance for the religion of ... Read More »

I Suffer From Depression, Cashed Out My 401k to Pay Bills and I’m Now Being Sued. – Johnny

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“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, but it has not happened. ... Read More »

I Often Think About Suicide to Ease My Pain of Debt. – Pete

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“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 deep depression and often think ... Read More »

I’m Losing Control of My Sanity Because of My Debt. I’m Having Bad Thoughts. – Frank

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“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 to collection I have a ... Read More »

I Have a Sick Great-Aunt That Needs My Help But What About My Debt? – Amber

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“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 to survive. I have not ... Read More »

Debt With Dignity. Debt, the Modern Day Leprosy.

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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 tolerance for the religion of ... Read More »

My Friend Can’t Afford Her Car. What Do We Do? – Vivian

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“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 2010, has over 15,000. in ... Read More »

Gerri Detweiler and I Talk Honestly About Debt

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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. Get Out of Debt Guy – Twitter, G+, Facebook Read More »

I Need to Get Out of Debt But Not Let My Husband Know. It Needs to be a Secret. – Karen

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“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 racing. as our town is ... Read More »

I Just Want to Run Away From This Financial Mess. – Denise

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“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 increased our mortgage to help ... Read More »

I Was Trying Dave Ramsey But How Do I Get Out of Debt Without Hurting My Credit Score? – Susan

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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 total of remaining debt @ ... Read More »

I’ve Lost My Father to His Debt. – Nicole

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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 and has been since he ... Read More »

My Debt is Overwhelming and I’ve Had Some Very Dark Thoughts Lately. – Lee

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“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 been on unemployment. I have ... Read More »

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