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Tag Archives: debt management plan

Lauren Went Crazy With Credit Cards And Now She is Maxed Out

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“Dear Steve, I just started going crazy opening credit cards and maxing them out. Can you get me out of this hole? Lauren” The Answer   Dear Lauren, Thank you for writing to me for help. The initial reaction of many that read your question will not be one of sympathy. The corner you have found yourself in today is ... Read More »

    Eva Has Heard Negative Things About CCCS

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    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 »

      April Wants To Know “As A Single Mom, How Do I Get Out Of Debt?”

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      “Dear Steve, Mounting credit card debt is getting difficult to pay. I’m thinking of just ONLY taking care of house, car, utilities, food, insurance. I’m a single mother of two kids and get no child support. I’ve worked so hard for good credit and I am losing it. What do I do? Not pay and wait for it to wipe ... Read More »

        New Concerns About 40% Credit Card Debt Reduction Proposal

        Last week I wrote an article Banks Agree to Wipe Out Up to 40 Percent of Credit Card Debt But Watch Out but more information has come to light since then. While consumer advocates are happy about the possibility of getting banks to write off as much as 40% of the debt in order to help consumers avoid bankruptcy, this ... Read More »

          Banks Agree to Wipe Out Up to 40 Percent of Credit Card Debt But Watch Out.

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          Credit card lenders include Discover Financial Services LLC, Bank of America Corp., Citigroup Inc., JPMorgan Chase & Co., Capital One Financial Corp., American Express Co. and HSBC Holdings have finally come together with the help of the National Foundation for Credit Counseling, Consumer Federation of America and the Financial Service Roundtable to start the process of creating a debt solution, ... Read More »

            The Perfect Debt Assistance Program

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            I can dream, can’t I? If I could get a wish for debtors it would be to wave a wand and implement this perfect debt assistance or debt relief program. Here is what the program would look like. A Sliding Scale Nominal Charge – Consumers would have to pay a sliding scale setup fee. It is too expensive to start ... Read More »

              Jeannie Already Went Bankrupt And Is Now With CCCS But Can’t Afford to Feed Her Daughter

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              Jeanie “Dear Steve, I have already gone to bankruptcy five years ago. I am currently in credit counseling, however, I do not have enough money to provide food and clothing for my child. I am a single parent not receiving child support, I have no child support judgment. Long story, but I felt it was in the best interest of ... Read More »

                Catherine Asks If There Is Hope Or Help For Debt

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                Catherine writes in: “My husband and I are behind on a few of our loans and one is a vehicle payment and the other if a flexline loan( pretty much a credit card) we have talked about bankrupcy but would like to avoid that. Are there any companies out there that offer help for these things.” Catherine, Thank you for ... Read More »

                  Five Inside Truths About Debt Management Plans (DMP) You Need to Know

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                  People are often so confused or uninformed about debt management plans in the US that I wanted to share some truths with you. Here are the five biggest misconceptions people have about debt management plans, in no particular order. Debt Management Plans Are Not Designed for You to Get Out of Debt Since the DMP terms are really dictated by ... Read More »

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