I left my high school sweethart four years ago which put me in my own apartment. I had a great job at the time and got laid off about one year later.. I have about six credit cards which are all in collections after the past two years. I do work full time but i …
“Dear Steve, I have about 12 accounts that are collections they are all small amounts 100 to 700 dollars. On my current income I can pay out 250.00 a month how can I go about paying to #1 pay the least amount total. #2 has the maximum positive effect on my very poor credit? I …
“Dear Steve, I have a lot of charge offs and medical bill collections, I also have a few good accounts on file. What in the world do I pay first to clean my report up? Susan” Dear Susan, First, get a copy of your consolidated credit report. This consolidated credit report is the same one …
Krisstina “Dear Steve, We’re behind on bills. My husband had to leave his former job when he worked as a delivery driver for a furniture company and his pay became almost non-existant for a few months until he could find another job. We were good enough to stay afloat for a while we were ahead …
“Dear Steve, I am a single mom, my daughter is 17 and trying to get a job, but even for her it’s hard. I have a couple of credits cards that I just can’t pay. My priorities are rent first, then car payment, utilities, then food, gas. I am still married but I can’t go …
Harold “Dear Steve, I have credit card debt of about $30,000. I was out of work for awhile, I tried the self employment thing for several years but couldn’t get ahead with that. I now have a decent job, the pay is only about $23,000 a year but it is steady and it’s government and …
Arvin “Dear Steve, I opened an account with HSBC in 2004 for $1,600. I have been making my monthly payments even more than the minimum monthly payment required. However, due to my current financial hardship, I was not able to pay monthly. The interest rate is 23.80% and penalties kept adding to my account in …
Monika “Dear Steve, I lived in California when I incurred credit card debt of $1300 in 2003. In 2005, I got married and moved to Texas and have been uemployed since then to pursue higher education. In 2009, I moved to New Jersey and started getting mails and phone calls from a collection agency regarding …
L “Dear Steve, There is an outstanding cell phone bill from more than 6 years ago that the phone co kept adding download charges to for a phone number that had been terminated by us. We tried to have the situation resolved and even offered to pay only what we knew we owed if they …
“Dear Steve, My mom is bedridden and disabled in a nursing home for over 5 years. The credit cards she left behind were notified of her phsycial and finaancial inability to pay these debts over 4 years ago. I was told by her lawyer to ignore all communication about her debts which I have done …