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Reduce Interest To Reduce Payments w/o Affecting Credit – Christina

“Dear Steve, We have too much credit card debt and rely on overtime to pay our bills. In the current climate it appears that the overtime is going to be pulled back and we will lose that extra income. Is there a way to reduce the interest on our credit card payments, thus, reduce our … Read more

No Way Out Of Mess. Wish I Had Never Gone to School. I Have Nothing to Offer To Anyone – Lisa

“Dear Steve, I am currently $96,095.00 in student loan debt and it is quickly increasing because of the interest. I was laid off this past June. With having my mortgage and utilities I have little left from my unemployment check to make the payment of $724.00 per month. I have very little hope right now. … Read more

Bankruptcy Is Not the Honest Christian Way to Solve Problem? – Kristen

“Dear Steve, We have aprx. $80,000 in unsecured debt. We are a family of seven. My husband, myself and our 5 children. We are drowning. I was making the min. payment on the credit cards until they started charging obscene interest rates. I have recently fallen behind – or – well refused to pay them … Read more

How Much For How Long Would a Settlement Hurt My Credit Score? – Leanne

“Dear Steve, I have credit card debt on one card of $18,000. They are willing to settle with me through their settlement dept. for $10,800. I am only making the minimum payments on this account. My credit score is in the 7 hundreds and I don’t want to do much damage because I would like … Read more

Credit Card Company Put Someone Else’s Name On My Account- Help – Heather

“Dear Steve, Discrepencies on credit report and credit card mess. Question The cc company accidentally put someone elses name on myaccount. I couldn’t have access to the account while they investigated and when the reopened it there were tons of late fees and penelties. It was not my fault. Someone opened a lot of credit … Read more

Unemployed, Pregnant, and Can’t Afford the Payments – Erin

“Dear Steve, Unemployed, pregnant, and cant afford the payments demanded by the debt collectors. I am trying to make the demanded payments by the debt collectors, with out defaulting on my car payment, insurance, and medical bills. Do I have to send the collection agency the payment they are demanding, or can I send what … Read more

Creditor Jurisdiction Overseas – Jonny

“Dear Steve, Moved overseas to New Zealand a couple years ago. Went overseas with about $8000USD in credit card debt. I’ve tried to pay it off but a couple “life accidents” with employers have left me at about the same amount. I’m setled in the South Pacific and have no intention of returning to the … Read more