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Tag Archives: settle

I’m a Student and Can’t Pay My AMEX Bill. – Erin

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Erin “Dear Steve, I am a student, owe AMEX $5,500….am in a full time graduate accelerated program for next 14 months, cannot work & cannot pay the minimum payment, my mom has been helping me but cannot do it anymore..I called AMEX to try & get some help but all they offered was a low interest rate My mom is ... Read More »

Should I Pay My Old Debt in Full? – Robert

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“Dear Steve, I received an offer from a collection agency for an old debt. The collection agency offered 4 options. To pay $10 a month until the debt is settled. The other three options are to settle for less then the amount owed, but I am worried this will have a negative impact on my credit more then it already ... Read More »

I’m a Minimum Wage Single Mother of Two Caring for Disabled Parents and Trapped in Payday Loans. – Noname

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Noname “Dear Steve, It started like this, i had gotten three payday loans all at once of the amount each being $200, for a really urgent matter. I had a death in the family, and we where having a bad time paying for funeral costs. This is my first time applying for loans, so I didnt know really what to ... Read More »

I’ve Ignored My Debt for a Long Time and I’m Not Sure How to Proceed. – Brian

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Brian “Dear Steve, I had about $47K in credit card debt and then lost my job and was sick and in a hospital. I was planning on filing bk, but due to the knew bk laws, I was unable to file bankruptcy. I was out of a job for about a year, and used any income I made to live ... Read More »

Capital One is Suing Me and I’m Really Depressed. – Genie

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Genie “Dear Steve, Hi, I’m so glad I found this site. I’m 26, just graduated from school…and I have a ton of debt which is driving me crazy. Right now, I have a few collections agencies after me. Last week, I go home on Friday and find 3 letters- 2 of them being summons and one from the lawyer who ... Read More »

I’m Being Chased For a Repo From Six Years Ago. – Steve

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“Dear Steve, I went through a bad time financial about 6 years ago. In 10/2004, I turned a vehicle back into the lender that financed it MMCA. I only ever heard from them once by phone and recently, in the last 90 days, they have transferred the old debt to a collection company showing it as an unsecured debt. This ... Read More »

I Need to Put My Debt Behind Me. I Have No More Money to Make Payments. – Chris

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“Dear Steve, I turned my car in about a year ago. I have perodically made small payments to a collection agency. This loan was through Capital One Auto Finance. The reason for turning the car in was it was costing me more to keep it running than I could afford. This was a nice car with very few miles and ... Read More »

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