Latest Posts
Home > Tag Archives: counseling program

Tag Archives: counseling program

Dave is in a CCCS Credit Counseling Program But Feeling Hopeless

Ready to Collapse

“Dear Steve, Family of 4 (13 yr & 12 yr girls). My salary = $112K, wive’s salary = $40K. Total Assets $292K (liquid $10K, autos $9, house $200, 401K $73K). Total Liabilities $204K (mortgage $112, home equity loan $41K, credit cards $24K, 401K loans $22K, auto loan $5K). Net worth = $88K. . .plummeted 35% in last year. How did ... Read More »

    Teresa Writes In “I Have Too Many Credit Cards”

    Ready to Collapse

    Teresa “Dear Steve, I have too many credit cards. Where do I start to get rid of them? Teresa” The Answer   Dear Teresa, Credit cards don’t magically appear in our wallets or purses. They appear because we have done something or participated in some process to agree to these credit instruments. The first step to get rid of your ... Read More »

      Keith Writes in And Wants To Know “Should I Consider Debt Consolidation For a Fee?”

      Ready to Collapse

      Keith “I have $30,000 in credit card debt plus $160,000 in home loans and business loans. Should I consider debt consolidation from a company that charges me a fee each month?” Keith, Excellent question and my answer may surprise you, Yes! Nonprofit credit counseling programs brag that many of them are free or at a low cost, but that comes ... Read More »

        Eva Has Heard Negative Things About CCCS

        Ready to Collapse

        Eva “Dear Steve, My husband and I just bought a home and besides the mortgage, we are in debt for $26,000. I called up my credit card companies and they said they aren’t offering lower rates to customers now. I went to CCCS website and they say lowering customers rates is one of their ways they can help out. If ... Read More »

          Rita Asks “Should We Consolidate Our Debt?”

          Ready to Collapse

          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” The Answer   Dear Rita, Thank you for writing to me for help. Debt consolidation is often the first and only solution that comes to mind when people what to get out ... Read More »

            Tony Writes In “I Have Too Much Debt On My Credit Cards”

            Slow and Steady Will Win The Get Out of Debt Race

            “Dear Steve, How do I quickly and easily get ALL my credit cards paid off with the limited income that I have? Tony The Answer   Tony, The honest answer is that while you can get them paid off, quickly isn’t going to be part of the solution. It is a classic tortoise and hare situation for you. Slow but ... Read More »

              Get My FREE Get Out of Debt Guy Newsletter

              It is the smart thing to do.

              I promise to keep your email safe and secure.

              Close

              I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

              You can unsubscribe at any time with just one click.

              After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


              • It will keep you posted on the latest scams.
              • You will be alerted to the latest articles.
              • You will wind up smarter than everyone else dealing with debt.