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Tag Archives: getting out of debt

The Get Out of Debt Guy 8 Easy Steps to Eliminate Your Debt Checklist

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So you want to get out of debt. Congratulations. To make your journey easier and to help you on your way, here is an easy to follow checklist to guide you on your journey. Getting out of debt can be broken down into some very simple steps to make the process easy, obvious, and help you to do it yourself. ... Read More »

The Universal Secret to Dealing With Debt

Big Scam Dog

For years I’ve asked people in debt this simple question, “Do you have a greater responsibility to fix the past or fix your future?” It appears Socrates beat me to the punch and asked the same question of people millennia ago. It seems this question of logical responsibility is one we’ve been asking since nearly forever, yet people in debt ... Read More »

Struggling With Credit Card Debt. Don’t Want to File Bankruptcy or Do Debt Settlement. – Mike

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My wife and I have about $50,000.00 of credit card debt. We both work and we are also paying off our kids college. I do not want to contact a debt settlement company because I believe they are all scams. I also do not want to file bankruptcy. I just want to know if there is an honest solution to ... Read More »

Matching Financial Tactics to Your Goals. Don’t Think Like a Race Car Driver.

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The other Saturday I went to the drag strip with some friends of mine. It’s an annual event for us. We’re a bunch of car enthusiasts who get to spend a day with some truly amazing equipment. For those of you who are not familiar with drag races, here’s a brief explanation. Each race is a two-car competition to see ... Read More »

I Really Want to Avoid Bankruptcy At All Costs. – Sean

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“Dear Steve, I have unsecured credit card debt for around $25,000. I am 27 and make around $55,000, but will be getting a $10,000 raise in the next. My financial situation at work will be improving further from there, I am just not sure if it will be 6 months or a year. I currently rent for housing, but will ... Read More »

How can I get out of my Canadian consumer debt? – Graham

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I am almost 25 years old and with my childish behavior behind me I have a financial mess to clean up. My goals are to start a family while being debt free. I am Canadian (Not sure if that matters) I read your e-book and through the endless links between the lines I decided to check out the website too. ... Read More »

How Can We Pay Off Our Debt in Three Years? – Joey

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“Dear Damon, My wife had a full time job, then stopped working for a few years when we had children, then went back to work part time for about 8 years. This was a big decrease in income and, regrettably, a lot of times we charged to compensate in doing or buying things needed during that time that we would ... Read More »

Carrying Credit Card Debt for 13 Years And It’s Grown. What Now? – Laura

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“Dear Steve, I’ve been carrying credit card debt since grad school in 1988 – it went from 15,000 to 40,000+ plus in 29 years. I’m gainfully employed, but am 55, living on one income and supporting 2 people. My 81 yo mother lives with me and does not receive enough from Soc. Security to cover her living costs. I’m groaning ... Read More »

Getting Out of Debt Quickly. Is There a Way? – Connie

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“Dear Steve, I have over 10,000 in debt. Most is a credit card and loans. I have debt collectors calling me all the time but I don’t answer. I would like to pay off my debts but recently I quit my job and have to way to pay. I need help and would like to be debt free. How can ... Read More »

Couple Gets Out of $88K in Debt in Three Years. Exception or Rule?

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CNN broadcast the story below on how one couple managed to dig themselves out of debt in about three years. It is a good news story for those people that can afford the minimum payment on their debt plus pile on extra funds. In this case the couple used a credit counseling service to help them achieve their goal by ... Read More »

Are You Really Ready to Get Out of Debt? Can You Handle the Truth?

The Question Isn’t if I Can Get You Out of Debt. That’s Easy. I Can. The Real Question is…Are You Really Ready? People come to me all the time in an effort to get out of debt. I believe they desire to eliminate their debt and they can visualize a world without their painful debt in the way. That world ... Read More »

How to Get Out of Debt. The Honest and Unvarnished Truth.

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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 through my mind, If there ... Read More »

Thu Wrote Me And Said “I’m Really Struggling, My Husband is Disabled, How Can I Get Out Of Debt?”

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“Dear Steve, I’m married, my husband is disabled. I have 3 growing children and a 6 year old disabled child. My payroll checks go straight to bills. I use the credit card for foods and miscellaneous household items. I’m really struggling. I go to work in deep depression and stressful almost everyday. How do I get out of my debt? ... Read More »

ChevGirl Writes In And Says “My Marriage is Suffering Because of Our Debt”

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ChevGirl “Dear Steve, Well I am not thinking about death or anything, I am a Christian. I am just having a very difficult time with our finances. The stress is becoming unbearable. My marriage is suffering because of it. Me and my husband work in agriculture, we do not make much and we are $55,000 in debt. I have payments ... 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 »

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