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Tag Archives: fear

The Fine Art of Getting Out of Debt

change your mind

Having helped people with problem debt since 1994 and having lived through financial problems myself in the late 1980s, I’m always amazed how badly people manage the art of getting out of debt. When I listen to “the debt experts” it almost seems they have never lived through really bad debt problems since they miss the most critical aspect of ... Read More »

    I’m So Afraid of My Debt. – Jes


    “Dear Steve, I really need your advice, I just came from your website and just reading about debt makes me sick to my stomach. I am in debt with credit cards about 15,000. I had great credit before hand hence why I could get the cards at a young age ( at 20/21) but now I got returned payments and ... Read More »

      Should I Pay Off My House or My Student Loans First? – Kem


      “Dear Steve, I am finally in a place in my life where I am earning enough money to pay my bills and have a little left over. After buckling down and sacrificing (and selling) a lot, the only debt I have left, besides my mortgage, is my student loan which stands at a little over $100k at about 5% interest. ... Read More »

        The Worry and Stress Over My Debt is Emotionally Draining. – KL

        Ready to Collapse

        “Dear Steve, I am a single person who has no help. Not only do I not have financial help in my life….but I go through the worry and stress alone trying to figure out how to pay all my debt. Its hard and emotionally draining by yourself. I have always wanted to do the right thing and pay my debts ... Read More »

          I’m Paralyzed With Fear Over My Student Loans. – Deni

          Ready to Collapse

          “Dear Steve, Began 1 of 2 attempts at medical school 20 years ago. Am soon going to be 54 yo. After roughly 2-3 years of trying to make it work, I was dismissed due to poor grades. I was battling something… but didn’t know what. One Dr said depression, another said ADD. In 2004, the court in lower Manhattan, NY, ... Read More »

            My Debt is Freaking Me Out. – Jen

            Ready to Collapse

            “Dear Steve, I have a lot of debt, well I think it’s a lot anyways. I think it’s somewhere along the lines of 15K in unsecured debt. I am not late on anything and haven’t been in a very long time. I have a bankruptcy that was disharged 12/2002. The amount of debt is kind of freaking me out and ... Read More »

              Are you Sabotaging Your Financial Success? 7 Key Indicators.

              It’s not that you don’t care about your finances…it’s just that you can’t seem to get really get them reigned in, right? You start out with good intentions- †to start a budget, to start saving more, to stop the impulse shopping…but every month something seems to happen and your righteous path to financial freedom and independence is once again derailed.So, ... Read More »

                I’m Sick With Worry Over My Debt. Should I Settle? How Do I Get Out of Debt? – Beth

                “Dear Damon, Hi – i am a 41 year old self employed woman who has accumulated credit card debt up to $35k over the past 6 years. I am a homeowner with 15 years left on my mortgage – and i moved out of the home and rented it out, so i could rent something cheaper to help my the ... Read More »

                  Robert Says “Please help. I never knew financial burdens can cause so much stress.”

                  Ready to Collapse

                  “Dear Steve, I have a $190,000 mortgage @ $1614. mo w/escrow. I am $66,000 in credit card debt @ $1520. per mo. Married with 4 children and over my head in bills it’s hard to put food on the table. My income is $5400 mo. I have $34,000 of credit card debt and my wife who does not work outside ... Read More »

                    Crazy Things to Do When You Can’t Pay The Bills

                    Living through money troubles, collection calls, delinquent notices and the fear of not being able to pay bills is not only scary but it makes us do some really stupid things. I thought I’d give you a free copy of my book Eliminate Your Debt Like a Pro. It is in a PDF format so just click on that link ... Read More »

                      I Live in South Africa and I Have Creditors Calling Me Everyday. – Zandile

                      Ready to Collapse

                      Zandile “Dear Steve, I’m in round about R40 000.00 of debt altogether, i only earn nett 6800 p/m. i dont know how to get out of this mess. i’ve got creditors phoning me everday, threats of legal action, summons you name it. pls help me. i really am tired of all this. Is it not late for help? Zandile”   ... Read More »

                        I Work at a Car Dealership and Think My Truck Will Have to be Repossessed. – Kristi

                        Ready to Collapse

                        Kristi “Dear Steve, I bought a truck 3 years ago on 5 year loan. Since, my husband and I have moved out of state where I began working for a car dealership. We then purchased a truck for him with my employee discount. The owners of the dealership were then forced to sell the business, and I was hired by ... Read More »

                          Fear and Loathing in Debt

                          Ready to Collapse

                          Being in debt is not an emotional walk in the park and unless you know what it is like, you can’t feel the pain or suffering that goes with it. People forget or don’t know what it is like to be in debt. No, not the kind of debt where you owe Bob a bit for spotting you for lunch. ... Read More »

                            I Am 90 Days Late on Two Credit Cards. A Debt Management Plan Company Said They Could Not Help Me. – Jennifer

                            Ready to Collapse

                            “Dear Steve, I have two outstanding credit cards that have not been paid in over 90days. I tried to go through a debt management and found out that two of them they really could not do anything with. Now I am trying to make arrangements to just make payments on both cards but I am told they need a big ... Read More »

                              I Can’t Sleep. I’m So Stressed About My Debt.

                              Can't Sleep

                              I don’t know why but tonight after two hours of sleep, I was wide awake. My solution was to head up to the guest room and watch some television in hopes I would fall back to sleep. No such luck. As I laid there watching the overnight infomercials on the little television I could not help but remember those days ... Read More »

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