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Every Post. One Place. Zero Judgment.
Ever wish you could just scroll through everything on GetOutOfDebt.org in one place—no hunting, no algorithms, no guessing? This is that page. Right here, you’ll find every single post I’ve written, listed in order, from the latest insights to the oldest stories that still hold up today.
If you’re deep in credit card debt, feeling buried by bills, or wondering if there’s actually a way out that doesn’t involve giving up hope or getting scammed—this page is for you.
You’ll find honest answers about:
- Debt relief programs that actually work (and how to spot the ones that don’t),
- Credit card debt relief government programs (what’s real, what’s not, and what to watch out for),
- Free government debt relief programs (yes, those exist—but they’re not magic),
- Bill consolidation programs and debt consolidation loans (how to know if one’s a smart move for you),
- The truth about credit card debt forgiveness and forgiven credit card debt (and how it impacts your taxes),
- And a bunch more, like debt reduction programs, debt settlement programs, solutions for debt, and even what I call the “debt stop moment”—when you finally say “enough” and take your life back.
I’m not here to sell you a program. I’m here to give you real help with credit card debt, government help with credit card debt, and everything else that comes with the mess of money stress.
So grab a coffee (or something stronger), start scrolling, and find the post that speaks to where you are right now. Whether it’s your first step or your final breakthrough, I’m glad you’re here.
If you want to search the site instead, go here.
Post Archive – Buckle Up. It’s a Long Ride.
Pam Is Out Of Cash And Out Of Time
“Dear Steve, I am no longer making ends meet. I have my daughters Sallie Mae $20,000 loan payments starting in one month, I can only afford to put little bits of gas in my car at a time, I have…
When In Debt, Think of Others, Kindness Counts
I saw this story below on CNN and for me it typifies the type of kindness and compassion that is needed to help someone you know with money troubles. Sometimes the best thing you can do is just to be…
Ed Is Scared But Courageous In The Face Of His Debt
“Dear Steve, Let me start by saying it has been very hard for me to get to this point and ask for help. I hate that I am where I am financially (due to factors both within and not within…
Mary Lou Writes In And Wants To Know “Why Does My Credit Score Keep Going Down?”
Mary Lou “Dear Steve, My FICO score does not keep going up: 3/99 I filed bankruptcy-it will be 10 years next March and should come off my credit score. I owe $5,400 on one credit card and $7,300 on my…
Rita Asks “Should We Consolidate Our Debt?”
Rita “Dear Steve, I want to pay my credit cards off. I will like to consolidate them. We are $39,000.00 in debt. HELP What should I do? Rita” Dear Rita, Thank you for writing to me for help. Debt consolidation…
Donna Wants to Know “Should I Take My Money Out?”
“Dear Steve, I have my home paid for and owe nothing on my car, I have a rental that I owe $25000 and I have it rented for $475.00 month. My payment is $303 month and my insurance is $33.00…
Debt Problems Are The Same In Indiana As They Are In Ireland
Patrick Bryan, a debt adviser friend of mine from Northern Ireland, and I were chatting recently about the universal nature of debt problems in the world. It became apparent that while we are all told that we live in an…
Suzy Wants to Know If She’s Done Enough to Protect Herself
Suzy wrote me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you for free. “Dear Steve, Recently I…
Tony Writes In “I Have Too Much Debt On My Credit Cards”
“Dear Steve, How do I quickly and easily get ALL my credit cards paid off with the limited income that I have? Tony Tony, The honest answer is that while you can get them paid off, quickly isn’t going to…
Would You Like More Credit Card Rights If It Means Credit Cards Are More Expensive?
This week I asked the Personal Finance Bloggers Brain Trust the following question and as always, the answers are thoughtful and insightful. Question: At the very time that our banks and Wall Street are asking and looking for a financial…
So I Just Got a New Credit Card.
My move back to the U.S. from England recently, generated a bit of ‘international moving expenses’ for us. My favorite was the $1,100 unexpected surprise I got having to pay for extra storage and the radiation screening by homeland security…
Jax Is Looking to Refinance And Has Some Questions
“Dear Steve, I need to refinance my home in Oct of 2009. My credit score is 669. I have a mortgage of $130,000, home equity loan of $34,000, a car loan of $4,000, & credit cards of $4,000. Some credit…
Tithing, Saving and Getting Out Of Debt – The Personal Finance Bloggers Brain Trust
This weeks question put to the personal finance bloggers brain trust at GetOutOfDebt.org was: When people are working with a credit counselor or working up their own budget they often hear or believe that they should not make religious contributions…
“Who Is Going To Help The American People To Get Out of Debt?”
I just saw someone searched for “Who Is Going To Help The American People To Get Out of Debt?” and landed here on the GetOutOfDebt.org site. It might be tough for me to help all the people that are going…
I’m The Debt Expert And Even I’m Scared
Economic worries and concerns impact anyone that is paying attention and for those of us that have a bit of awareness and understanding about how the consumer credit and debt world works, it makes it even more frightening when looking…
Christine Writes And Asks Me “Should We Liquidate The IRA to Pay Off Debt?”
“Dear Steve, We have about $35,000 in current debt not including a home that is not finished. We have about $120,000 in IRA money. We own $75,000 in real estate free and clear that is for sale but not sold…
Where to Buy Really Cheap Bread
So with all the shopping I did recently for my two stories about price comparing between grocery stores and warehouse clubs, I was curious about what the cost for bread would be that this discount bread store I pass from…
I Hunted Down The Cheapest Warehouse Store For You
Recently I wrote an article titled Sam’s Club, CVS, Walmart, Lowes Food & Food Lion – Who Has The Best Prices? The winner of that survey was the warehouse store, Sam’s Club and that got me wondering how Sam’s Club…
Lourdes Writes In “What Should I Do to Get Out of Debt?”
“Dear Steve, I’m in debt really heavy from credit cards and other loans. What should I do to get out of debt. Lourdes” Dearest Lourdes, Wow, I really want to help you with some great advice and awesome guidance but…
David Writes In “I’m About To Lose My House”
David wrote to me at GetOutOfDebt.org and asked me for help with his debt situation. If you have a question, you can ask me for free help and advice also. “Dear Steve, I accepted a job in Seattle. My wife…
Karen Writes In “Ex-Husband Isn’t Paying The Bills and He’s Trashed My Credit. What Can I Do to Repair It?”
“Dear Steve, I have been divorced for one year. Our house was in my name and husbands. He never refnanced or sold the home. His late payments have started to ruin my credit report and credit score. Now it look…
America’s Job Bank – Find a Job Now
Find a job in your state using the following links. There are a number of resources that you can use to find a local job. I’ve mentioned some of them already in a recent article. An often wonderful listing of…
ML Writes In, “I Can’t Pay My American Express Card.”
“Dear Steve, I am self employed and have lost an important account. I now cannot pay the minimum on my American Express card, which is $2,000.00. If I pay them I can’t pay my other expenses. Have you any ideas…
Diane Writes In “I Want to Settle My Debt. My Creditor Wants to Take Me to Court.”
Diane wrote to me at the GetOutOfDebt.org site and asked for help with her debt situation. You can write me too if you need help. Here is what Diane said: “Dear Steve, I have signed up with New Beginnings to…
Sam’s Club, CVS, Walmart, Lowes Food & Food Lion – Who Has The Best Prices?
So Pam and I were talking about where to shop for the best prices and rather than guess, we got in the car and went price comparing. To get a wide comparison of prices we went to Sam’s Club for…
Donald Writes In And Asks For Help “I’m Getting Behind on Bills!”
“I’m starting to get behind on bills. I owe $180,000.00 total: two houses ($12,500.00 and $35,000.00 appraisal) $97,000.00 and $24,000.00 owed. A 2006 van, 2005 truck, 2006 motorcycle, $13,000.00 credit card debt, a 2004 450 4 wheeler, but I can…
Ryan Writes In Looking For His Lifestyle Back
Ryan wrote me through the GetOutofDebt.org site asking about how to resolve his debt situation. If you have a question you’d like to ask, just send it to me using the form at the bottom of this article. “I have…
Charlotte Writes In, “I’m Desperate To Get Out of Debt”
Charlotte wrote to me at GetOutOfDebt.org and asked for free advice and help, which I gladly give. You can write me using the forms on the site. “Steve, I owe nearly $20,000 on a loan, a bunch of credit cards…
Ginger Asks “I Started My Business On Credit Cards But It’s Hard to Make Payments”
Giner wrote in through the GetOutOfDebt.org site and asked for help. “I started a new business, had a few small credit card balances before, but had to use them, plus acquiring a few more, and with the balance trasfer deals,…
Christy Asks “Why Should I Even Bother With Getting Out of Debt?”
Christy wrote me at GetOutofDebt.org and asked me the following question. “I’ve been in debt so long I don’t even see why I should bother to get out of debt. It’s the American way. You get stuff, make payments and…
Holly Writes In “I’ve Kept This Secret From Him For a Long Time.”
Holly wrote in and asked her question through the GetOutofDebt.org site. You can too. “Hey there, I have been with my boyfriend awhile now, and we’ve just started to talk about purchasing a house and getting a joint credit card.…
Anne Writes In “I Am Going Crazy With Worry”
Anne wrote me through the GetOutofDebt.org site and asked for help. You can write me also and ask for help. Anne says “I have a large debt load and I am unable to make the payments. I have been on…
Jess Writes In “My Mobile Home Has a Hole In It”
Jess used the form at the bottom of this post to send in the following question. “My babies mother and I have lived in a mobile home for the past three years. We had been having a tough time making…
Catherine Asks If There Is Hope Or Help For Debt
Catherine writes in: “My husband and I are behind on a few of our loans and one is a vehicle payment and the other if a flexline loan( pretty much a credit card) we have talked about bankrupcy but would…
Janie Writes in “Are Debt Counselors Safe?”
Janie wrote me and asked me the following question: “I’m running into deep debt and I’m thinking of using one of the debt counselors I’ve seen on my local television station to help me get out of debt. Are they…
Guest Post – Mortgage Tips and Money Saving Advice
Tom McConnon contacted me recently and wanted me to share this post with you. If you would like to contribute a guest post, you can contact me here. If you are a first-time home buyer, a mortgage may seem like…
Is the iPhone a Debt Worth Having?
The new iPhone is out and people are rushing, at a slower pace, yet again to get one. While they may be on the bleeding edge of technology, I wonder how many users of the iPhone can really justify the…
Turn Crap You Don’t Need Into Cash
It’s five days until payday, and you’re rifling through jacket pockets and old purses, scrounging for change. But have you recently looked in the basement? Or the attic, the back of the wardrobes, the garage and the kids’ rooms? Is…
Lenora Asks The Squirrel – “What Should I Do About My Debts?”
Lenora wrote to me and asked: Dear Get Out of Debt Squirrel, What should I do about my debts? I am trying to set up a budget, but even with a budget, I can’t make all my payments. I need…
Client Kills Self Just One Payment Away From Being Debt Free
I’m not surprised that people find it necessary to kill themselves because of financial problems. They do, it’s sad and it’s needless. What makes this so shocking was that he was so close to being debt free. News in yesterday…
Your Online Debt Collection Rights Guide
Here is a Quick Online Debt Collection Guide Most people make a big mess out of dealing with the debt collector and don’t know what their fair debt collection rights are. Dealing with a debt collector isn’t so much about…
Five Inside Truths About Debt Management Plans (DMP) You Need to Know
People are often so confused or uninformed about debt management plans in the US that I wanted to share some truths with you. Here are the five biggest misconceptions people have about debt management plans, in no particular order. Debt…
Self-Help Get Out of Debt Assistance
A collection of excellent get out of random debt tools and resources. Some Self-Help Programs From Others Get Out Of Debt Fast Without Bankruptcy Or Debt Consolidation. Click Here To Learn The Amazing Secrets Of How I Got Rid Of…
I Wonder Where My Sister is and Who She is Today
The last time I talked to my sister was probably in 2002. The irony is that the very thing that I do, help people with money problems, caused a rift between us that seems too big to repair, although I’d…
UK Bank Northern Rock In Trouble But Not Sincere
As a person that communicates through words, it is hard to sometimes find the right words to use to transfer what you are feeling into a medium that others will read. Words are more than letters in a group, in…
Hasta la Vista Northern Rock
Word on the street today is picking Northern Rock (LON:NRK) for a fall. Despite the UK government’s vote of confidence and the Bank of England’s quick assurances that they would step in with an emergency loan to help the bank,…
The Ticking Time Bomb Inside The American Foreclosure Crisis
Headlines and stories on the evening news frequently mention the growing foreclosure crisis in the US. Over the recent years, lenders have been giving out money, like it was water, and much of it to people that are not prime…