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How To Get Out Of Debt

What to do when there is not enough money to make payments on debt.

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We are currently in over our heads with debt. We have approximately 6000 in medical bills and about 12500 in CC debt. We signed up for a DMP plan and have been making payments each month until this month. My wife lost her job and went back to school. We have 5 in our household and my bring home salary ... Read More »

    What is My Best Course of Action? – Patricia

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    Hi Steve, I closed a retail store in October 2004. I settled my debts the best I could but my credit score took a hit. These last few years I (who will be 52 in May) have been partially employed, underemployed and unemployed resulting in our personal credit card debt escalating. My husband (who will be 74 in April) has ... Read More »

      Making payments but barely breathing financially. – Julie

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      Debt Guru, I have close to $25,000 of unsecured debt that is causing me a great deal of worry. When my husband was working fulltime and making a good living the payments weren’t a problem. As he is now disabled and suffering from leukemia, I am not sure what to do. My income is half of what it was and ... Read More »

        I feel like such a loser because of my debt. – Sophia

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        I feel hopeless.. Don’t see a way out of this big black debt cloud I am under.. I have tried many ways to resolve my debt but nothing is working.. my last thought was to refinance my house and use the equity to pay off some bill to resolve a small portion of the debt… but the “credit counselor” told ... Read More »

          How can I get out of my Canadian consumer debt? – Graham

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          I am almost 25 years old and with my childish behavior behind me I have a financial mess to clean up. My goals are to start a family while being debt free. I am Canadian (Not sure if that matters) I read your e-book and through the endless links between the lines I decided to check out the website too. ... Read More »

            How do I get rid of credit card debt? Can Novadebt help? – Donna

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            I lost my job of 34 years, I am 64 yrs old. My husband had to reduce his hours because of his health. He has to continue to work so I have insurance. We have 28000.00 in credit card debt and can’t pay the monthly payments. My 401K went down the tubes just before the company closed. I couldn’t make ... Read More »

              Living in Apartment With Bills. Getting Married Soon and Just Got Big Inheritance. – Keith

              “Dear Jon, I’m 31 years old, living in a rental apartment. I’m single but thinking about proposing in next 6 months. I just got my auto loan in August $20K with no money down and a low interest rate from my credit union. Had a bankruptcy in 2001(Medical Bills) Potential engagement coming How do I use this inheritance to improve ... Read More »

                Recent college graduate with public service job needs to eliminate debt. – Rosy

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                Hi Get Out of Debt Associate, My name is Rosy, and I am in debt. I finished school in May and I have a lot of credit card debt, along with school loans debt. With the school loans, I don’t feel too bad because I don’t have to pay for it until a couple of months, however, my credit cards ... Read More »

                  Our Financial Situation is Out of Control. What Should We Do? – Tashia

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                  Family of 4, Husband ownes a business & works at another job. I work p/t for a non-profit out of our home. We have 2 children under the age of 12. We reside in an area that has been hard hit with the poor economy. We are struggling everyday. There are 2 loans that are particularly hard….$23,000 personal line of ... Read More »

                    What is the best solution to my debt problem? – Jean

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                    HELP! I am going under. What are my options for the following scenario??? Recently Divorced, 57 yrs. Income:Teacher Annual Salary: $50K ~30K credit card debt Own Home @ 5.99% on a fixed 20 year note (Bank of America) Pay Property Taxes separately.(~$5K Annually) 5K balance on “Line of Credit” (B of A) Not behind on any bills… yet. I’ve tried ... Read More »

                      Business is Slow. I Don’t Think I Can Keep Up With My Bills. – Jim

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                      In credit card debt, business is slow.. Have made payments on time up till now, but its so slow at my work lately dont think i can keep up with the bills. I have over 100,000 in credit card debt all personal used for my business over the years.. now i realize its a problem.. My business has gotten so ... Read More »

                        I’ve Been Middle Management in Restaurant Business and Now Manager of a Pharmacy. Future Looks Grim at 61. – John

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                        I am 61 years old, and have been in the restuarant business for the past 27 years. Always middle management and therefore no retirement, no 401’s etc. We have 3 daughters and have paid for most of their college education and 3 weddings, at this point in our lives I am concerned about our debt. We have one car. Approx. ... Read More »

                          Being sued by Capital One – should I sign the agreed judgment? – Charla

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                          I lost my job 3 yrs ago. I was unemployed for 8 months with no income at all. I am now employed – but only part time. Can barely make the house payment and put food on the table for me and my son. I just completed a course to get an Activity Director Certificate. Should receive it soon. Hopefully ... Read More »

                            Need to get rid of credit card debt with lower payments. – Jennifer

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                            I am not working at this moment but should be better off within a year. I am in $14,000 credit card debt. I am making the payments right now and have never been late, but during the next year, 2012 I may not be able to make all of the minimum payments and still be able to afford what I ... Read More »

                              I Went Into Debt as a Single Mom. – Theresa

                              “Dear Michael, I went into large amounts of credit card debt as a single mom. I divorced when my house was worth $50,000 more than it is now. I insisted with my ex to keep the house so my kids can graduate in the same house. Once the youngest graduated, I lost a lot of equity and couldn’t sell the ... Read More »

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