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Ask The Get Out of Debt Experts

I Have Little to No Money At the End of the Month. – Rose

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“Dear Steve, Hi Steve, I am currently in a great amount of debt roughly $50,000 between an equity loan and credit cards, Although im keeping up with pmts Im not really paying down the principal on the equity loan, and trying to keep up with other credit card pmts which leave me with little or no money at the end ... Read More »

    I’m Another Victim of the CCDN Scam and It’s Left Us In Trouble. – Kimberly

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    “Hi Steve, Chris referred me to you and your website. We were both victims of a “scam” by CCDN. I had just asked him how he was handling his current debt situation and he said maybe you may have some ideas for our doom & gloom. It’s excellent to hear that things are looking up for him. Anyway, I read ... Read More »

      I’m in an Awful Mess WIth My Finances. – Kelly

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      “Dear Steve, I’m in an awful mess. A big part is my stupidity! But here it is. I graduated from college in 2005. I went to school to be a teacher. I now have my Masters in Education. That is wonderful! But I do have a huge student loan to pay off. In addition, my parents both passed away in ... Read More »

        We Don’t Want to Lose Any of Our Paid Off Vehicles in Bankruptcy. – Tony

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        Tony “Dear Steve, Between me and my wife we have over $70,000 in credit card debt. we spoke with a lawyer for chapter 7 to eliminate them . however i have 1 vehicle and my wife has 2 , they are clear with no payments on them . by law we aour only covered for about $2000 equity on them ... Read More »

          I Was Scammed By a Debt Consolidation Company in New York. – Maria

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          “Dear Steve, Because of a family situation I was forced to go into debt consolidation with a company in NY. I went into contract with them. I paid my monthly amount for one year. At the first of the month of November, I received a legal notice, from a law firm in Miami that this company, headed by a lawyer, ... Read More »

            We Went to Credit Counseling and Our Payment Was Higher. – Dan

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            “Dear Steve, 19,000 dollars in credit card debt. Fixed income of 1400 per month SS and maybe 1000 a month in extra earned income. Payments to Credit Cards are currently 450 per month. (11,000 of the 19,000 is on a zero interest card due to begin to charge interest in six months) – Card companies not willing to negotiate. Credit ... Read More »

              My Husband and I Both Work for a Construction Company That Has No Work. – Susan

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              “Dear Steve, I hope you can help me decide. My husband and I both work for a consturction company that has no work. They have not laid us off yet, but have cut our hours to 32 per week. I have not been able to get a nights sleep for worring how we are going to keep up with the ... Read More »

                I’ve Got a Military Retirement And a Fair Amount of Credit Card Debt. What Should I Do? – Jay

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                Jay “Dear Steve, I’ve read every argument against cashing out a 401k/IRA and current savings money to pay off debt, but I think each situation has its own merits. Here is mine: 70k in CC debt 95K in IRA/401k/Investments We have changed our spending habits and have aggressively been paying down the CC debt, but at the rate we are ... Read More »

                  What Can I Do to Get My Federal Student Loan Out of Default? – Ian

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                  “Dear Steve, I have a federal student loan which has been in default for well over a year. The debt collection agency is calling and threatening to garnish my wages; I obviously do not want this to happen. I would like to get my loan out of default so I can take advantage of all the repayment options available to ... Read More »

                    How Can I Pay Off My Debt and Increase My Savings. – Aimee

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                    “Dear Steve, I have approximately $8,700.00 in credit card debt, and very little (approximately $300.00) in savings. I take home just about $1,500.00 per month. My usual monthly bills total about $520.00 per month (I don’t have rent currently.) I budget approximately $400.00 per month for basic variable expenses – like food and gas. That leaves $580.00 per month to ... Read More »

                      I Already Have Bipolar and Clinical Depression Disorders With Panic Attacks and Now Debt. – Kilandra

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                      “Dear Steve, Credit card debt after being divorced, unable to work, no income, but paying the minimum on it. I need out, it’s stressing me too much and hurting my health more, when I already have bipolar and clinical depression disorders. I used the sale of my car to pay off the one, but I am still $7000 in debt. ... Read More »

                        I’ve Liquidated My Savings, Checks and CDs But I’m Still in Debt. – Jennifer

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                        “Dear Steve, I currently have liquidated all my assets (savings, checking, CD’s) and have not tapped into my 401(k) yet. I am newly employed at a school district and make $32,275/year. I am now living paycheck to paycheck. My current debt is car loan of $10,943 at an interest rate of 5.5% and monthly payment of $552 – I am ... Read More »

                          I’m Not Good at Managing My Money. – Eletha

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                          Eletha “Dear Steve, I make over $100,000.00 a year and I don’t know where my money is going. I have all my credit cards maxed out and I am living from pay check to pay check. Please help! My credit cards have high interest rates and I have asked them to lower but their answer is no. I pay over ... Read More »

                            I’m Anxious to Refinance My House to Pay Off Debt If It Lowers My Payment. – George

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                            “Dear Steve, Hi Steve, I have a $115K 30 yr mortgage at 5.25% and now have 20 yrs left. I also have almost $20K in credit card debt (13.5%) which is a minimum monthly payment of over $400, of which I usually pay more. This is killing me. I really want to get rid of this cc debt. I barely ... Read More »

                              My Debt is Making Me Depressed and Suicidal – Tim

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                              “Dear Steve, I, we are very close to your situation, after over a year of unemployment, my wife working for pennies at a christian school and me – the bread winner, an IT system admin, 3 degrees two in engineering and one in IT, we finally had to contact an attorney today because the creditors would not work with us ... Read More »

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