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Tag Archives: fear

I Have No Money to Pay My Increasing Debt. – Peter

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“Dear Steve, I’m a salary plus commision salesperson who’s bottom fell out. My company implemented 30% pay cuts on both salary and commision. Combine this with the slow economy and and I’ve made 40% of last years salary. I have moved to a much smaller apartment and still have no money to pay my increasing 20,000 debt. My cards are ... Read More »

    The Collection Manager Yelled at Me. I’m in the United Arab Emirates. – Cery

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    Cery “Dear Steve, I missed one payment for my first gulf bank credit card in the UAE so i wrote them an email to inform them of my current situation and to find a way to settle the matter with them, i paid 1,000aed against the minimum amount of 9,000aed. However i was shouted at by the collection manager and ... Read More »

      We Are Sinking Fast And Using Credit Cards For Daily Purchases. – Valerie

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      URGENT QUESTION! Valerie “Dear Steve, I cried all through writing the question. Situation is that we’ve always paid our credit card bills and always been on time and lately our credit score keeps getting worse and worse. Our mortgage/taxes/insurance costs $3000.00 per month so I don’t want to default on that. Yes, we have remortgaged too many times. Presently, I’m ... Read More »

        Christmas Bills, Holiday Bills, Kwanzaa Bills, And Chanukah Bills Are Coming. Here is What to Do When It’s Time to Pay Them And You Can’t.

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        Every single year a new crop of unprepared consumers gets blindsided by the post holiday bills which begin to arrive after the middle of January. It is a predictable phenomena. Credit counselors and debt counselors get really slow before the holidays and then slammed when those post holiday bills roll in. And even though many promised to not overspend this ... Read More »

          Shellie Had Cancer And Is Now Slowly Dying From Terminal Debt

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          Shellie “Dear Steve, I had cancer and a lot of complications with it, at the same time my youngest son had lung surgery. I don’t have any other outstanding bills other that medical. Even with insurance i still owe about 6 or 7 thousand dollers in medical bills. I am getting disability but it isn’t much. My husband works but ... Read More »

            What to Do if Your Creditors And Bill Collectors Make You Really Angry

            There is only so much one person can take.

            I’ve heard more people issue swear words and threats against creditors and debt collectors than you can imagine. Having the pressure increase when you are in debt makes good people say and do silly and regrettable things. Many feel those normal emotions but feeling like you are going to explode or wanting to kill the debt collector or yourself is ... Read More »

              I’m Afraid I’m Going To Get Laid Off. How Will I Pay My Bills? What Will I Do?

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              “Dear Steve, When I read the news I get so afraid that I will get laidoff. Business at work seems to be slow and I find myself surfing the internet more at work and reading more of these stories about the pink slips that are coming. I’ve got bills and credit card debt to payoff and a wife and kids ... Read More »

                Anne Writes In “I Am Going Crazy With Worry”

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                Anne wrote me through the site and asked for help. You can write me also and ask for help. Anne says “I have a large debt load and I am unable to make the payments. I have been on short term disability for eight weeks which has made an already difficult time even worse. Some of the creditors have ... Read More »

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