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Tag Archives: living paycheck to paycheck

Massive Credit Card Debt, Three Kids in College, and Getting Nowhere. – Mike

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My wife and I are both employed and make decent money $125,000 a year. We have three in college. We never get any financial aid because the formula does not take into account the massive credit card debt that we have $45,000, we also have our own student loans from making career changes. After we make a little more than ... Read More »

Can I Accept Responsibility and Pay Off My Debts Without My Husband’s Assistance? – Debt

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I am 47 years old with credit card debts totally about 15K and Student Loans in excess of 30K. I married my husband 2 years ago in order to provide health insurance for him and his son due to employment changes. Shortly after our marriage, my employer decided to close the doors where I was working – leaving me with ... Read More »

Living From Paycheck to Paycheck. – Angelene

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“Dear Steve, Really high credit card debt accrued through the years of being a student then getting married and having a kid. On top of that, I still have my student loans to pay for and a house mortgage. Our household income is good, it just seems to all go to our debt. We are able to make all the ... Read More »

We Are at Our Breaking Point Trying to Pay the Bills Each Month. – Michelle & Phillip

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“Dear Steve, WE ARE A ONE INCOME FAMILY WITH 4 CHILDREN. THREE WERE STILL LIVING AT HOME AND ONE IS MARRIED WITH ONE CHILD. SO WE WERE SUPPORTING 7 PEOPLE ON ONE INCOME… I STARTED USING CREDIT CARDS FOR GROCERISE, THE TRUCK BROKE DOWN AND COST AROUND $10,000 TO FIX. ALSO QUITE HONESTLY WE SPENT MONEY ON THINGS WE DID ... Read More »

We Have to Use the Credit Cards for Food and Gas. We Don’t Want to File Bankruptcy. – Linda

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“Dear Damon, My husband and I got into credit card debt right out of college. We started off making about 50K per year, and have built our way up to 100K per year. I am a teacher and he works in food production. We relied on credit way too heavily our first 10 years of marriage, bought a house we ... Read More »

I’m Being Sued by a Creditor And Was Told Only Chapter 13 Bankruptcy Might Be Right For Me. – Tim

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“Dear Lewis, i am being sued by collection/ law firm(s) have received a citation of suit from a lawyer representing citibank. i have done online search for low cost attorney and spoke with one on the phone for court representation, he then pointed me towards a bankruptcy lawyer because he knew the suing firm well, i have done a consult ... Read More »

I Think I Did Everything Right, But I Still Seem to be in Debt! – Bel

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I have one single credit card, which I’ve had since 1998. When I went to debt counciling and we looked at all my sorces of debt, it was recommened that I consolodate everything (including school loans, travel exspenses, etc) on to my credit card because it had the lowest interest rate (about 6.5%). This worked well because my minimum monthly ... Read More »

I Feel Like I Just Threw a Bunch of Money Away. – Donnie

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“Dear Steve, I had written to you a while back but could not find my original so am writing again. i am struggling really hard, i went from having no credit cards until 1999 to having too many, never made a late pmt. but because i was no longer working, disabled, started getting credit cards to live on. in 03, ... Read More »

Is CCCS Right for Us or is There a Better Alternative? – Shawn

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Shawn “Dear Steve, I have about $100k of unsecured consumer credit card debt spread out amongst several (about 15) cards. My wife and I are both in very stable jobs, and combined we make about $110k a year (about $6000-$6500/mo take-home after tax, health insurance, etc). We “own” our house, in other words, we pay $2k a month mortgage on ... Read More »

We are Living Paycheck to Paycheck and Being Sued for Thousands Plus Legal Fees. – Vanessa

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“Dear Steve, Several years before I met my husband he took out a loan to get a car. At the time he was in the Navy and was stationed in San Diego, CA.His family lived in MI, where we now live, and while visiting them he was in a car accident which totaled the car. The car insurance company that ... Read More »

I Had to Use My Credit Cards to Live and Pay Bills After My Divorce. – Christine

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“Dear Steve, After getting divorced, I had to use my credit card to live and pay bills, taxes,etc. Then I got remarried and we remodeled our home and bought some new things to go into the home. We both have good jobs and great credit, but we have no savings at all. We are living paycheck to paycheck. We want ... Read More »

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