Because of the volume of submitted questions, I am behind in personally answering every single one. I need your help. I am publishing the question below for you to answer. Please help this person by adding your response and advice in the comments section of the original question. Click here. “Dear Steve, Currently a Dual Income Household with children, we ... Read More »

“Dear Steve, I am thinking of getting a VA Loan. I would be buying the house with my boyfriend. I have great credit (780) but his is low, and has 2 foreclosures. I don’t feel I have enough income to only use mine. I’m tired of renting and have done it my whole life, I’m 35. Any advice you could ... Read More »

“Dear Steve, I will be retiring soon. Will pay off mortgage with IRA money. Balance of mortgage about 59K. I am 63. For the situation I am in paying off my mortgage will make complete sense. Thank you How do I figure what taxes will be owed and can I pay this tax with money from the IRA? I know ... Read More »

“Dear Steve, I’m disabled. I live off $660 monthly. My rent is $625 not including utilities. I can’t even afford to file bankrupt! How do I get out of debt if I can’t even afford to file bankrupt? Shantina” Read More »

“Dear Steve, I have about $2,000 in medical debt and about $1500 in other debts , wondering how i can get out? Chris” Read More »

“Dear Steve, I just got served for a credit card debt. What can I do after I got served for credit card debt? George” Read More »

“Dear Steve, Myself and my wife are both out of college. I went to a private university, big mistake as my mother tried to tell me, and now between the two of us we are about $191,000 in debt to student loans. Thanks to my grandmother, when she passed away she left me enough to pay off any credit card ... Read More »

“Dear Steve, I have over 13k in credit card debt with 3 cards, my rate on all 3 is around 25% How can I lower the rate. I have a steady job so far, my wife doesn’t, she is self employed. we have 2 car pmt and a mtg payment How can I lower the rate? Is it possible to ... Read More »

“Dear Steve, Have student loan which I currently owe $1000 dollars on because I have not been able to pay it, just had a rent check bounce and owe another one right away, also owe the cable company (though this is in collections now too) ~$500. I would make enough to support myself if I could just get caught up. ... Read More »

“Dear Steve, I’m married own a home and pay all my bills on time, but I am so over my head. Each month after all the bills are paid we are left with less then $150. It is so stressfull. It’s taking a toll on our marriage and our children. We absolutely do nothing, but go to work and go ... Read More »

“Dear Steve, Several years before I met my husband he took out a loan to get a car. At the time he was in the Navy and was stationed in San Diego, CA.His family lived in MI, where we now live, and while visiting them he was in a car accident which totaled the car. The car insurance company that ... Read More »

“Dear Steve, My daughter has a student loan that she could not pay because of her medical condition. She is on assistance from the state and has a one year old daughter she barley makes only less than 300 dollars a month on her part-time job. She was recently served with papers for a law suit from the University. They ... Read More »

“Dear Steve, I am a 27 yr old single working mother and I have appr 25K in 401k funds. I also have appr 15K in credit card debt that is making it tough to pay monthly bills. At this age, should I consider cashing out my 401K and paying my ccard debt off. I also have to consider that my ... Read More »

“Dear Steve, I just got my job back, and I am playing catch up on my bills. Between my husband and I, we have about $2800 in credit card debt. I tried calling to get my interest rate lowered, but all they said was when an offer comes aound that you qualify for, then we will lower your apr. I ... Read More »

“Dear Steve, I have contacted CCCS and Money Management International and was told my debt/inome ratio would make it impossible to make payment arrangements with citi that I owe $25,000.00. Then I saw a bankruptcy attorney. The bankruptcy atty told me that I have too much equity in my house to go bankrupt and yet I can barely make ends ... Read More »