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Is Ready for Zero a Scam? What Do You Know About Them? – Jane

Written by Steve Rhode

“Dear Steve,

Single income earner 32.50 – disable husband who owned own business pittance from SS 2 teenage girls.

I work full time, and at least 4 hours every sat at 2nd job new opportunity for OT at work so switching to that almost 25,000 (on total of 6 cards) in debt plus 62,000 left on house and a home equity for the cost of our car aprox 12,000

I am feeling very stressed and overwhelmed – do you know anything about “ready for zero’? all my payments are up to date – nervous about a consolidation loan ( but really need to do something. Keep thinking one payment would be better than all these smaller ones… Thanks Jane


Dear Jane,

Thanks for contacting me.

First, let me assure you that my interactions with the founders of over the past years have been great. The guys behind it are smart, creative, and dedicated to helping people find a self-directed and organized way out of debt.

Most all of their services are free. They do now have a nominal cost option that allows you to make your self-directed debt repayments through their system. This can help make the process of an organized repayment plan easier to manage for some.

In my opinion, the platform is poised for potential greatness as a growing tool to help people tackle their debt. The long term question is how they develop their income stream and add new benefits for users.

I’d like to know more about why you are feeling very stressed and overwhelmed. Is it because money is tight or that you just don’t feel you are getting anywhere with your debt repayments? Also, I’d like to know what it was that led you into the $25,000 in debt. Was it from making ends meet?

Homework: Fill me in more about what’s going on and then let’s move to the next step. Also, find out what your credit score is for free using and let me know that as well.

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Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • I have tried 10 times to get my score from the karma site but it just keeps saying there is a problem registering me.. ?? I feel stressed out because I am not getting anywhere, I had used consolidated credit counseling in the past and did great however with my kid going to college in a couple of years i don’t want to screw that up , then my husband suffered a broken neck and it has been everything from car repairs, some Christmas lots of school things for the kids and I just suck at saying no all the time.. I have toughened up over the years but my husband really has no concept of money. Never has and I am an island as far as money is concerned – except the house and mortgage he definitely has an opinion about that which is why we still have an interest rate of 6.25 % – need to do it on my own.

    • Obviously I have no clue what issues they may be having. There are other places to get your score from. If you are going to do it on your own then the solution is even more a logical solution.

      You can give up because you have some technical issue with the site or you can get your credit score directly from one of the major credit bureaus to see where your credit stands now.

      Just because you’ve run into a small hurdle is no reason to stop investigating a logical option that may allow you to consolidate your debt and improve your credit at the same time with an unsecured debt consolidation loan.

      I know you are frustrated but don’t quit on me.

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