Timeshare Exit Team Scores a Kind of Win and Loss at the Same Time

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One of those companies that says they help people to get out from their timeshare has ended a suit against them on the verge of a jury trial. Reed Hein & Associates does business as Time Share Exit Team. Court documents filed by Westgate Resorts, Westgate Vacation Villas, Westgate Lakes, Westgate GV at the Woods, … Read more

Timeshare Exit Team, Reed Hein & Associates and Dave Ramsey – A Deep Dive

A great person I know asked me about a Dave Ramsey recommended company named Timeshare Exit Team. – Source It seems I’m not the first journalist to get asked that question. Knowing nothing about the company I did my usual look at the information available. The company says it is located in a number of … Read more

Should I Go With a Debt Consolidator Even Though Dave Ramsey Says Not To?

Question: Dear Steve, I’m 13,000 in credit card debt. The rates range from 18-21% apr. I need to look for work by June because my other job will soon be ending. I’m able to meet the minimum payments but the interest fees are so high that I’m afraid I’ll be stuck paying for the rest … Read more

The Moral Hypocrisy of Avoiding Bankruptcy. It’s Good Enough for Your Church.

Having lived through bankruptcy myself I find it very interesting to observe the camps of bankruptcy lovers and haters. Admittedly I was once in the avoid bankruptcy camp because I just wasn’t well prepared for the experience and didn’t have the right frame of mind. But recent news of the Catholic church filing bankruptcy yet … Read more

Why Dave Ramsey Fans Need to Think for Themselves

Yesterday on Facebook I posted a link about this recent article, How to Borrow Your Way Out of a Student Loan Default and Lower Your Payment. I thought the article was filled with some really important advice about how to get your federal student loans out of default and avoid being sued, having tax refunds … Read more

Helanie Olen Talks About Bad Advice by Suze Orman, David Bach and Dave Ramsey

Author Helanie Olen has recently released a new book title Pound Foolish: Exposing the Dark Side of the Personal Finance Industry. In this book she discusses the blind faith of many to follow the personal finance advice of popular financial gurus without question. She also talks about the issues surrounding financial literacy and the fallacies … Read more

Debt Related PTSD and Financial PTSD Quietly Hurts Many

We commonly think that post-traumatic stress disorder (PTSD) is something that only combat troops face. It’s thought of as an effect only of war. But that’s not the whole story. Through news reports and media coverage we are also aware of the ripples and problems PTSD can create in the lives of many brave military … Read more

We’ve Been Following the Dave Ramsey Snowball Plan But It’s Not Working for Us. – Shannon

“Dear Steve, My husband lost his job in October 2009. We had to fight the company to get his unemployment, but eventually won. After about six months of searching, he found a job with a university that would give him the opportunity to go back to school to earn his master’s degree for about 90% … Read more

I’ve Seen Ads for Accredited Debt Relief, InCharge Debt Solutions and Dave Ramsey. Which Should I Use? – Don

“Dear Damon, Almost $20000+ in credit card debt. Also owe IRS back taxes. Thinking of debt relief or debt settlement for credit card debt and looking for help with budgeting money. Alot of people I now use Dave Ramsey but I need to get my payments down do I have more breathing room with my … Read more

I’d Like to Help People Eliminate Debt and Manage Their Money Using Christian Principals. – LaShaundra

“Dear Steve, -University of Alabama at Birmingham student, basketball player -majoring in Psychology with minor in Sociology -soon to pursue a Finance minor -very interested in counseling people about debt and money problems -eager to get people to change their mentally about spending more than they make I just recently realized what I wanted to … Read more