Refresh

This website getoutofdebt.org/category/ask-the-get-out-of-debt-expert/getting-out-of-debt-ask-the-get-out-of-debt-expert is currently offline. Cloudflare\'s Always Online™ shows a snapshot of this web page from the Internet Archive\'s Wayback Machine. To check for the live version, click Refresh.

The Emotional Side of Dealing with Debt

Debt isn’t just numbers on a screen. It’s stress, sleepless nights, shame, and self-doubt. When you’re in debt, it’s easy to feel like you’ve failed. Maybe you made bad financial choices, or maybe life threw unexpected hardships your way. Either way, the emotional toll of debt can be crushing—and it’s rarely talked about enough. I …

Read more

I Want to Enter The Financial Hardship Program for My Credit Card Debt

Question: Dear Steve, I maxed out my credit cards during covid/the last two years. I want to enter into the financial hardship program for my highest card, but they close my account at the end of the program. Will this hurt my credit more than it’s currently being damaged from being at my total limit …

Read more

I Screwed Up My Finances and Now I Feel Like it is Hurting My Mental Health

Question: Dear Steve, I am a 22-year-old college graduate. I grew up in a very stable household, both personally and financially. My parents do exceedingly well, and I have never once struggled.. until now. I always saw how my parents spent money and thought I could do the same. I didn’t have a complete understanding …

Read more

Is Americor and Credit9 Really a Good Debt Relief Option?

Question: Dear Steve, After spending much of 2018 and 2019 surviving on part time freelancing, I racked up ~$8k in credit card debt across 3 cards and exhausted my savings. I also have a personal loan balance at ~$6.5k. In fall this year I returned to full time employment at ~$85k a year. Just got …

Read more