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Disabled, Maxed Out, and Want Good Credit. – Kathy

“Dear Steve, Credit cards are maxed out and living expenses keep going up. I am current on all bills. I use to work 2 jobs and had plans to be debt free by Sept. 2011, became disabled a little over 2 yrs ago and now am on a fixed income. I don’t want to harm …

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Should We Drain What’s Left in the IRA to Pay The Mortgage? – Susan

“Dear Steve, My husband has a IRA account that he had transferred from his previous job, and it was not much. We took money out last year to keep our heads above water. Now we are down to only $15,000.00 in our account. We see losses everyday, and we need the money now to survive. …

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I’m Current But Maxed Out and Want to Get Out of Debt. – Julia

“Dear Steve, I have 45k in credit card debt I am single just started a new job which is based off of commision. I am current on all of my bills no lates or over limits I am at 80% of limits, however I can only pay minimum payments on the bills. Please give me …

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Debt Snowball Spreadsheet to Dig Out Fast. – Robert

“Dear Steve, Which is better to pay off a credit card with the higher rate first …or a second credit card…lower balance but lower interest..what is the best way to get them off of me. I have heard pay off the one with the biggest interest first and I have also heard you pay off …

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How Can I Lower My Capital One Credit Card Interest Rate? – Kelly

“Dear Michael, I’m 49 and married. Credit card is with Capitol One and I’ve had it for at least 6 years. No late payments. I don’t remember what my interest rate used to be, I think around 18%, but they raised it a couple of years ago to 24%! A few months ago my limit …

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Should We Pay Off Credit Cards, Student Loans, or Mortgage First? – Cathy

“Dear Steve, We have some debt – 15k credit card (low interest); 10k student loans and 200k house. We pay all on time. We have a little money for margin (about 3k). We are able to keep paying on debt no problem at present. I foresee a complete breakdown of financial system coming in next …

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