Question: Dear Steve, I’m 41 and married with kids, 2 and 5 years old. Home loan and credit cards on hold while we identify affordability. Van unregistered just received penalty notices. 20 years history of spending more than we earn. We’ve got a box of beer at home and chocolate biscuits and now can’t afford … Read more
Question: Dear Steve, I had an uncontrollable problem with not understanding how important having credit was. I would spend and only make the minimum payments on credit cards and student loan, that I co-signed for my daughter. Then when things got really bad I turned to payday loans and a car title loan. I begin … Read more
Question: Dear Steve, I am recently married and between the two of us we have some credit card debt and students loans. Because of our wedding and moving into a new apartment, we have increased our debt. (I hate to say it, but it’s the truth.) We live in a very expensive part of California … Read more
Question: Dear Steve, I got myself into debt and am not making it!!! I bought a condo and lost 66 lbs so new clothes and new item for the condo were purchased. And then I could not stop shopping until now! What should I do–???? I will pay the debts but I got into a … Read more
Question: Dear Steve, I childishly made some large purchases using my credit, and couldn’t afford to complete the payments on a timely manner. Most of those accounts are closed. Is it best to pay them off in full or with a settlement payment? Also, paying that amount (full or settlement amount) as a one time … Read more
Question: Dear Steve, So, I had both private and Federal loans for my 4 years of college. I didn’t get a job right out of school, it took a few months and then when I did get a job it was a tiny amount. I struggled financially for a while, and then when it came … Read more
Question: Dear Steve, I have credit card debt 2 cards totalling under 8000 total for both. What is best way to tackle this issue? I want to know what is best way to get out of debt not sure how much my APR is on my credit cards? I rarely pay attention to that. Robert … Read more
Question: Dear Steve, Let us start with two of our biggest expenses…my husband and I have newer vehicles and a new home. I recently graduated college and currently teach special education; additionally, I am still in college working towards my masters degree…hello student loans. Before I was a teacher I was a bartender and that … Read more
Question: Dear Steve, Financial Solutions: legit or scam? I was called by Jay Morgan from Financial Solutions LLC of New York, NY. I am just wondering if they are a reputable company, I don’t seem to be getting a whole lot of information from researching them. They are also affiliated with Bedrock Legal of Dallas, … Read more
Question: Dear Steve, I am several years out of college, with massive debt delinquency. It’s gotten to the point where I don’t even know how my debt is spread out. I was first scared by the bills that were arriving and I was unable to pay after failing to secure a good job. My credit … Read more
Question: Dear Steve, We have gotten buried in Pay Day and Installment Loans and see no way out. We have been turned down by Lending Club and others. National Debt Relief wants to help, but we aren’t sure. We have about $10,000-$15,000 worth of debt. We don’t want to have to file Bankruptcy. Are there … Read more
Question: Dear Steve, Between myself and my partner of 11 years we are in debt about 20K. I am undecided as to whether I should file for chapter 7 , or a debt relief company. We are both collecting ssi for my partner and myself ssdi. Any suggestions would be greatly appreciated. Cindy Answer: Dear … Read more
Question: Dear Steve, Hi Steve…. First, thank you for providing this service to those of us who desperately need some direction. I have Fibromyalgia and Chronic Fatigue and have not been able to work for many years now…. I applied for and was denied (as many are) for disability. I filed in 2010 and just … Read more
Question: Dear Steve, I have a couple of strikes against me. First strike is that I have an ex-husband who sticks me with medical bills and our 3 children’s extra curricular activities. All are under ages 15. The 2nd is that I am a poor money manager. Before I knew it I was over my … Read more
Question: Dear Steve, $100,000 in unsecured debt. $50,000 of total is in 5 year consolidation loans. $10,000 in health bills. $165,000 annual salary. Bouncing credit card to consolidation loan keep credit score high. Going into debt $500 more per month. Children so can’t reduce expenses, really. Should I go into Chapter 13? Should I use … Read more