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Tag Archives: shame

I’m a Christian. Is Bankruptcy Moral? Will God Hate Me? – Maggie

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“Dear Steve, A number of years ago my husband and i had unfiled tax returns. the state taxes got filed and paid but not the federal returns. one year we were behind and had not paid in enough. it snowballed from there. they never came after us, but i felt awful so we gathered them up, filed them all at ... Read More »

Bank of America Sold My Debt to North Star. What Now? – Jane

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“Dear Steve, Bad credit due to financial hardship/reduction in my income. My Bank of America was charged off and sold to North Star last Feb. 28, 2013. North Star has called but I have not answered. My question is should I contact them and pay this debt or just not contact them at all. I want to work on getting ... Read More »

Robert Says “Please help. I never knew financial burdens can cause so much stress.”

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“Dear Steve, I have a $190,000 mortgage @ $1614. mo w/escrow. I am $66,000 in credit card debt @ $1520. per mo. Married with 4 children and over my head in bills it’s hard to put food on the table. My income is $5400 mo. I have $34,000 of credit card debt and my wife who does not work outside ... Read More »

Crazy Things to Do When You Can’t Pay The Bills

Living through money troubles, collection calls, delinquent notices and the fear of not being able to pay bills is not only scary but it makes us do some really stupid things. I thought I’d give you a free copy of my book Eliminate Your Debt Like a Pro. It is in a PDF format so just click on that link ... Read More »

5 Ways to Cut Spending (without cramping your lifestyle)

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James contacted me recently and wanted to contribute this guest post for the site. “Sure!”, I said. If you would like to contribute a guest post, bring it on, just contact me. The web is full of advice on spending less. It’s just a shame that most tips involve doing without – no more holidays, no more car, no more ... Read More »

Christmas Bills, Holiday Bills, Kwanzaa Bills, And Chanukah Bills Are Coming. Here is What to Do When It’s Time to Pay Them And You Can’t.

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Every single year a new crop of unprepared consumers gets blindsided by the post holiday bills which begin to arrive after the middle of January. It is a predictable phenomena. Credit counselors and debt counselors get really slow before the holidays and then slammed when those post holiday bills roll in. And even though many promised to not overspend this ... Read More »

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