Latest Posts
Home > Tag Archives: repayment plan

Tag Archives: repayment plan

I Was Unemployed But Now Have a Job. I’d Like to Start to Get Out of Debt. – Adan

Searching-right

“Dear Steve, I live in Los Angeles, CA and was unemployed for several years and was not able to pay my credit card and student loan bills among other bills. Now I have a job with okay salary and my living expenses are not much. I can afford to start paying off my debt. I have credit card debt in ... Read More »

    How Do I Get the Credit Card Company to Lower My Payment to What I Want? – Sally

    justball-144x125

    “Dear Steve, My husband almost died due to an abscess on his liver. Medical bills piled up. Then he lost his job. Then I lost my job due to budget cuts. Currently my husband is unemployed, and I am working, but for less than my last job. Credit cards were used for everyday items such as food. Had been paying ... Read More »

      Lauren is Searching For Ways to Get Out Of Debt And Make Her Bad Credit Go Away

      justball-144x125

      “Dear Steve, If I find a consolidation company to help me pay my bills will my bad credit go away? Lauren” 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 Lauren, It ... Read More »

        I’m in Debt and Talked to CCCS and They Said They Could Not Help Me. – Ray

        justball-144x125

        Ray “Dear Steve, I have about $75,000 in credit card debt on 3 cards. I know I have been spending beyond my means and I have already changed my ways. I didn’t have any trouble paying my bills until a few months ago, when several things that needed cash added up. I have never been late on payment of any ... Read More »

          HFC Wants a Copy of My Paystub. I’m Not Going to Give It to Them. – Teri

          justball-144x125

          “Dear Steve, 3 months late on a signature loan. Now they want payment in full. Can a company (HFC) or thier debt collector tell you that they will only accept payments from you if you send them a copy of your pay stub along with a list of all of your debts. I’m not about to give anyone that isn’t ... Read More »

            Nildo Has Moved Back in With Parents And Wants to Save His Car From Repossession

            justball-144x125

            Nildo “Dear Steve, Because of a job change, that pays only commission I got myself into this mess. Now I have to move back into my parents home and lose my car. It pays good commission but I have had 3 bad month and now I don’t know what to do How do I get out of this mess and ... Read More »

              Your Searches and Speed Round Answers

              justball-144x125

              I was looking through the recent search phrases on the site this morning and thought I’d take a whack at answering some of them quickly so I’m trying a new approach, the speed round. What happens if you do not answer a debt collectors who is an attorney? If you mean answering the phone, you just flow further down the ... Read More »

                Mark Writes In “I Need to Go Bankrupt in the UK”

                justball-144x125

                Mark wrote in about his financial situation. “Hi Steve, My wife and I need help. Since 2001 we’ve been living in the U.S. and we’ve just got our green cards. We moved to the U.S. from the UK and for years I’ve been struggling to pay back debt there using dollars to pay back British pounds. The conversion rate has ... Read More »

                  Do We Have Any Viable Alternatives Other Than Bankruptcy? – Paul

                  justball-144x125

                  “Dear Steve, I have piled up over $60k of credit card debt over the past couple of years. My gross income has been in the $55k range for the past two years. I am in a business where my income should continue to grow but with minimums around $1300 per month I’m very close to falling behind on these and/or ... Read More »

                    Bankruptcy Judges Should Have the Power to Modify Mortgages

                    justball-144x125

                    The sagging home values are drawing attention to a gaping hole in bankruptcy protection, the ability for U.S. bankruptcy judges to be able to modify the terms of a mortgage to keep people in their homes that want to pay. A couple of recent article really caught my eye, “Delahunt: Empower judges to modify mortgages” and “A Win-Win Bankruptcy Reform“. ... Read More »

                      New Concerns About 40% Credit Card Debt Reduction Proposal

                      Last week I wrote an article Banks Agree to Wipe Out Up to 40 Percent of Credit Card Debt But Watch Out but more information has come to light since then. While consumer advocates are happy about the possibility of getting banks to write off as much as 40% of the debt in order to help consumers avoid bankruptcy, this ... Read More »

                        Banks Agree to Wipe Out Up to 40 Percent of Credit Card Debt But Watch Out.

                        justball-144x125

                        Credit card lenders include Discover Financial Services LLC, Bank of America Corp., Citigroup Inc., JPMorgan Chase & Co., Capital One Financial Corp., American Express Co. and HSBC Holdings have finally come together with the help of the National Foundation for Credit Counseling, Consumer Federation of America and the Financial Service Roundtable to start the process of creating a debt solution, ... Read More »

                          Get My FREE Get Out of Debt Guy Newsletter

                          It is the smart thing to do.

                          I promise to keep your email safe and secure.

                          Close

                          I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

                          You can unsubscribe at any time with just one click.

                          After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


                          • It will keep you posted on the latest scams.
                          • You will be alerted to the latest articles.
                          • You will wind up smarter than everyone else dealing with debt.