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Tag Archives: credit counseling

Dear Credit Counselors, You Are Your Own Worst Enemy.

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I’m frustrated. For the life of me I can’t understand why credit counseling continues to look at debt settlement as the enemy. The anger and desire to kill the solution seems to be opposite of what a charitable industry should be trying to do. The other day over a delicious Cracker Barrel lunch I was asked which side of the ... Read More »

    Would it Be Better for Us to File Bankruptcy or Go With Credit Counseling in Pennsylvania

    “Dear Lewis, Yes I am about 10,000 in credit card debt. I recently got married he also has debt to together are credit card debt is about 700.00 a month. We are not on each other account he was an authorize user but recently took him off. We live in PA. The house is in just my husbands name and ... Read More »

      Is Debt Management or Credit Counseling the Best Solution for Me? – Trisha

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      I make approximately $65000 a year but owe $30000 in unsecured debt in addition to student loans, a mortgage (that just went up by $500 due to escrow issues) and a car note. As a side note both the house and car have negative equity. With the increase in my mortgage I am struggling to stay afloat and my credit ... Read More »

        Can My Wife and I Independently Go Into a Debt Relief Program? – Paul

        “Dear Damon, My Wife just closed her business and the outstanding unsecured debt is about 100K. My personal debt is about 38K. I want to go on a debt relief program where a company negotiates a reduced amount and interest. She does not want to do this for her debt load. Can we independently arrange for debt relief? I want ... Read More »

          Debt Settlement: Top Ten Most Misunderstood Facts

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          Over the past few years debt settlement has been in the news, not always in a good way. Many consumers have complained about the services they’ve received while some have been very happy. Much of the disparity in the perception of the service is due to misconceptions about the process itself. So here are the top ten misconceptions I see ... Read More »

            Some Credit Counseling Groups Not Optimistic About Future. Looking to Merge.

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            So much of the past year or so has been directed towards the debt settlement world. The credit counseling world has just be slowly ticking away and watching their funding shrink from creditors. Funding may be shrinking even more now that the U.S. government is looking for places to cut back. Significant cuts in funding for HUD housing counseling are ... Read More »

              The FTC Does Not Want Debt Settlement to Survive

              A tipster (send in your tips here) sent in the following comment I wanted to address. But now that debt settlement is dwindling, it is clear the FTC wants this industry not to survive or rebound. DS needs internet marketing. FTC is shutting down lead gens, who are not companies, and pretty much everyone right now. photo © 2008 Hazrulnizam ... Read More »

                Credit Counseling Missing the Boat by Fighting With Debt Settlement

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                A tipster (send in your tips here) sent me an email outlining how a number of credit counseling groups are funding a campaign to try to “expose bad debt settlers.” And while the campaign has been ongoing for over a year, changes in the debt settlement world these days have little to do with a campaign against specific debt settlement ... Read More »

                  SteveSavers – Group Discounts to Save Big Bucks on Debt and Credit Help

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                  Today I’m announcing a new free service of the GetOutOfDebt.org site, SteveSaver’s. So what is a SteveSaverTM you are probably asking? There are a number of areas that people spend money on credit and debt issues. They spend money on credit counseling, credit reports, credit scores, debt settlement services, etc. So I thought, let’s bring group saving discounts offers to ... Read More »

                    How Can We Reduce Our Interest Rates So We Can Pay Our Own Way? – Joan

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                    Husband out of work, medical bills billing up only 1 income and starting to slide downhill on higher interest crds would like to know if we can reduce interest rates and late fees on some of the cards, where as some of the cards have ok interest rates dont want to declare banko would like to pay our way Joan ... Read More »

                      Dave is in a CCCS Credit Counseling Program But Feeling Hopeless

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                      “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 »

                        I Was Looking Into Consumer Credit Counseling. – Linda

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                        I need to get help from a debt counseling company. I was looking into Consumer Credit Counseling since that is suppose to be the best one to go to. I want to find out if you have any knowledge of how they operate and are the legitimate or not. I don’t want to get scammed as I have before. I ... Read More »

                          How Do I Get the Credit Card Company to Lower My Payment to What I Want? – Sally

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                          “Dear Steve, My husband almost died due to an abscess on his liver. Medical bills piled up. Then he lost his job. Then I lost my job due to budget cuts. Currently my husband is unemployed, and I am working, but for less than my last job. Credit cards were used for everyday items such as food. Had been paying ... Read More »

                            I Don’t Want to Use a Credit Counseling Agency. What Can I Do? – Denise

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                            “Dear Steve, I need help with my credit card debt. I owe $20,000. I live in New York State. I only make $35,000 a year. I always pay them every month and on time. I pay about $500 a month with 11% interest. Is their any good government programs that can help me with this debt. I don’t want to ... Read More »

                              Teresa Writes In “I Have Too Many Credit Cards”

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                              Teresa “Dear Steve, I have too many credit cards. Where do I start to get rid of them? Teresa”   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 credit cards ... Read More »

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