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Tag Archives: scared

I’m So Embarrassed About My Debt. – Patty

Lifestyle choices.

“Dear Steve, I’m scared about being scammed also, I can’t seem to save any money. I’m just too tired to keep from worrying all the time. To be very honest. We have a credit score of 760. I’m paying credit cards and no money left over so I keep the same pattern. Pay amount due and then have to charge ... Read More »

Spent Through 401k Money But Can’t Afford Bills. Husband Unemployed. – Jan

stressed-woman

“Dear Steve, My husband lost his job about 4 years ago. We were in debt then and had started to make extra payments to try to get out of debt. With the loss of his income, I went back to just making minimum payments on everything. I took money out of my 401k just to help us pay bills on ... Read More »

I’m So Afraid, Scared, and Ashamed About Bankruptcy. – Jack

afraid alone

“Dear Steve, I’m 75K in credit card debt. My take home pay is 3136 a month. My monthly expenses plus credit card bills equals 3172. I have $900 in savings. This doesn’t include my $5100 tax bill due in 6 months or groceries. I’ve been barely able to make ends meet and I put groceries on my cc. Now I ... Read More »

My Heart is Broken and I’m Scared of the World. – Sandrda

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“Dear Steve, 3 years ago I got involved with a man who was going through a divorce. He was charming, friendly, and giving of all his energy and time. His story was that his wife had a drug problem and was a heavy drinker and that he thought she was cheating on him. I had sustained a head injury 3 ... Read More »

I Am So Lost, Confused and Scared. Please Help Me. – Erin

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Erin “Dear Steve, Have not paid any credit card bills or student loan payments in about a year. I used to always be on time and then medical, dental, and other expenses started to occur. It got out of control and now I am almost losing my mind, because I feel like there is no way to fix my money ... Read More »

I Have Some Debt Issues That Are Scaring Me. – Ryan

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“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 degree in Mathematics to finally ... Read More »

I’ve Looked Into Credit Counseling But I’m a Little Scared. – Wendy

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“Dear Steve, I lost my job in august for last year for two months. I then was only able to get a part time job. Before that I was able to make my credit card payments. on time with a credit score of 780. I called my creditors before I was even late for my first payment after I was ... Read More »

We Have Not Been Getting a Lot of Sleep Recently While We Worry About Our Debt. – KL

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“Dear Steve, Steve, my husband and I are not getting a lot of sleep lately and we very much related to your story. Thank you. Our situation is my husband is in the real estate business and his income has drastically been reduced. We bought and sold a lot of real estate investment properties and did well when things were ... Read More »

I’ve Never Been in Debt Like This. I Don’t Know What to Do. – Brad

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“Dear Steve, I have credit card debt about 25.000 I have no employment and I ,am taped out. I have never missed a payment or been late or had a charge off in almost 20 years . I have not had any calls yet but these payments are due now. What should i do. Where do i start. I have ... Read More »

You’ve Been With Me on Many Sleepless Nights. – Colleen

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“Hi Steve, I have $100,00 in credit card debt. I am an independent travel consultant and due to the economy my business is at 0. My monthly expenses are around $2000 per month this includes the credit card payments. My husband deals with the rest, such as mortage, food, etc. I am not late yet on credit cards but this ... Read More »

I Filed Bankruptcy. It Wasn’t as Bad as I Thought It Would Be. – Lynn

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“Hi Steve, After searcing out every option and reading everything in your articles I finally filed for bankruptcy. I signed the papers yesterday. I had a few appointments before I found a Lawyer I was comfortable with. I wrote you about one attorney who was so nasty I cried afterward. I took your advice and tried again. So here I ... Read More »

I’m Living in Manhattan, Just Lost My Job, and Super Scared. – Elizabeth

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“Dear Steve, I am 36, living in Manhattan, pay $1900 in rent, owe $20,000 in debt, was laid off three months over the summer and just lost my job again. Credit cards are maxed out, severence was enough to cover rent for one month only and I have to wait one week for unemployment to kick in, which will voer ... Read More »

Dude, I Am Totally Freaking Out Over My Debt! – Margaret

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Margaret “Dear Steve, Help! We need serious advice! My husband and I have combined CC debt of almost $50,000. We have never been late on payments, but that is all about to change because we are about to hit rock bottom. In a year we have both watched our credit card scores fall from 748 and 720 each by almost ... Read More »

CACH Letter Says a Sheriff Would Be Sent Shortly. – Douglas

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Douglas “Dear Steve, My mother received a collection letter at her home of which I have not lived for a number of years. The letter stated that a sheriff would be sent shortly to serve a complaint. The collection letter said that they are not a law firm, that they were just trying to collect a debt. The letter says ... Read More »

SO THIS IS HOW IT FEELS TO BE IN DEBT!

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An old friend of mine let me know recently that he had been struggling with some financial problems. While debt issues are not something that you often share with just anyone, my friend trusted me enough to open up to me for advice and a friendly shoulder to lean on. My friend, to be anonymously known here as Bob, wrote ... Read More »

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