Retired, 45, Pregnant, and Afraid of Losing the House to Foreclosure. – Cris

Cris “Dear Steve, My husband and I moved to a rural town to semi-retire at the ages of 45. We found that after 22 years of marraige, we were pregnant with our first child. We were doing fine with both of us working but after the baby was born, I stopped working to stay home … Read more

My Debts Finally Equal My Income. I’m Using Credit Cards to Pay Bills. – Julie

“Dear Steve, I had paid off my debts in 2002, however since then, I had been laid off twice (different times) by different companies expanding nearly a couple of years. The credit card companies were offering low interest rates all over the place, so eventually I ended up accruing a large debt through the years … Read more

I’m Living Off My Student Loans and Need to Get Out of Credit Card Debt. – Nancy

“Dear Steve, I am a full time graduate student who works occassionally. Mainly, I live off my student loans. I have 23K in credit card debt and need to get out of it because I don’t have much money to work with. I’m nervous about consolidating my credit cards because I heard that it doesn’t … Read more

I’m Frantic and Don’t Know Where to Turn – Karen

“Dear Steve, I’m frantic and don’t know where to turn. My husband of 20+ years informed me recently that he hasn’t been generating income through his business, so he has been taking out cash advances on credit cards, running up lines of credit on our home and other rental property, and depleted all his 401(k) … Read more

Teresa Wants Quick Cash to Not Become Homeless

“Dear Steve, In debt to cash advance companies and am short $350 for the months bills Is there any help with cash advance loans and how can I get cash quick to not become homeless? Teresa” Dear Teresa, The easiest way to not become indebted to cash advance companies is to not take out cash … Read more