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Jenni Can’t Make the Car Payment and is Behind on Rent and the Clutch Just Went

Jenni “Dear Steve, I am behind on my car payment. I can’t pay my rent this month. The clutch just went out on my car. I work two jobs but I can’t get to them now that my car is broken. I joined the Army but I don’t leave until January. How can I get … Read more

Holy, Divorced, Disabled and Desperately in Debt

Holy “Dear Steve, I am a divorced 56 year old woman who suffered an injury as a teacher in a public school in May, 2000. I now suffer with a severe and permanent chronic pain condition (Reflex Sympathetic Dystrophy). Social Security refused me any disability (chronic, debilitating pain is not considered disabling) and due to … Read more

Disjointed Use of Your Credit Score Can Leave You Unemployed or Dead

I’m afraid that your credit score is being used in all the wrong ways for all the wrong reasons. The credit score was originally designed as an easy way for lenders to identify which potential customers would be low risk and high profit acquisitions. Using a credit score to screen new customers allows lenders to … Read more

Lauren is in a Fabulous Foreign Country and Can’t Afford Her Student Loans

“Dear Steve, Okay, I am currently a grad student in a foreign country which is cool and wonderful and educational and definitely worth the money. However, it’s costing me money. I currently have a $77,000 price tag in student loans and would like to reduce this amount. Because I am overseas it is very difficult … Read more

“I’m Right There With Everyone Else”

My name’s Annette and I just got told that in two weeks, my job will go from 40 hours a week to 10. On top of that, I’m losing all my benefits. Which means I have no health insurance to cover my lupus. My husband and I entered a debt management program several months ago … Read more

Bob Is Underwater And Drowning, In Debt

“Dear Steve, Can I ask for your advice since I’m so overwhelmed with debt. I have 4 credit cards with approximately $48,000 in balance. I’m only paying the minimum amount due per month because that’s all I can afford considering the other expenses I need to pay (mortgage, car loan bills, etc). Most of the … Read more

Consumers More Intelligent Than Automakers Think

“Little Three” Detroit automakers seem to be consumed with fear that people would not purchase a new car from an automobile manufacturer that was or has gone bankrupt and that the fear of bankruptcy is scaring buyers away. I think this just shows how out of touch that Detroit is with the American buyer. It … Read more

Credit Counseling and Debt Management Information Request

I encourage you to use the contact information below to learn more about how a credit counseling program may be able to assist you. There is no cost and you are not obligating yourself to anything by completing the information request form below for information to help you to get out of debt. Credit Counseling … Read more

Mug Shots of People Arrested For Forgery, Writing Bad Checks, And Credit Card Theft

In a bad economy, people do desperate and often very silly things to get by. Please don’t think that financial fraud is the way to make ends meet when things are tight. If you can’t afford your life, please ask me for help and advice rather than following the path these people did recently.

I See Debt People

I came up with this T-shirt idea and thought you might enjoy it as well. It made me chuckle so I’m hoping it puts a bit of a smile on your face as well. You can get one for yourself from Rumplefart. Steve

Shellie Had Cancer And Is Now Slowly Dying From Terminal Debt

Shellie “Dear Steve, I had cancer and a lot of complications with it, at the same time my youngest son had lung surgery. I don’t have any other outstanding bills other that medical. Even with insurance i still owe about 6 or 7 thousand dollers in medical bills. I am getting disability but it isn’t … Read more

John is Worried His Debt Will Scare Away His Fiancee

“Dear Steve, Here is the situation. I have 50K of debt between credit cards and lines of credit and a 20k vehicle loan. When I first met my fiancee, she asked about credit card debt, I was defensive about it so i just told her that i didn’t have any. She knew I had a … Read more

Jason Has Not Paid His Mortgage in 10 Months And Wants to Keep His House

“Dear Steve, I fell behind on my mortgage payments then I stop paying my mortgage payments and let things get worse. I fell behind in my mortgage and then gave up and stop paying it. I’ve been in foreclosure for about ten or more months. In a few weeks there will be a court case … Read more

Chris is in College With His Soon to be Wife And Slipping Below The Waves in Debt

“Dear Steve, Me and my fiancee are in college my fourth year, her third and because I went without a job for about 8 months we encoured almost 10 grand in debt. Now that we are both working and trying to do the right thing we are slipping farther and farther into trouble and we … Read more

Rachel is in Medical Debt, Was Sued And Lost. What’s Next?

“Dear Steve, I’m in debt from medical bills at about $17,000. I was taken to court over a $560 bill and am making payments on that, now I have another bill for about the same amount that i have court with next month. My finances are totally screwed up and i need to get a … Read more