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What in the World Do I Pay First to Clean Up My Credit Report? – Susan

“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 …

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We’re Behind on Bills and Debt Collectors Are Threatening to Sue Us. – Krisstina

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 …

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I Have an Account With HSBC And They Don’t Want to Settle. – Arvin

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 …

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I Lived in California and Had a Debt I Did Not Pay. I Now Live in New Jersey. – Monika

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 …

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My Mother is Disabled and Bedridden in a Nursing Home and Chased by Debt Collectors. – Carolyn

“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 …

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