getting out of debt

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  How Can I Continue My Education With All This Debt?

  Question: Dear Steve, First of all, LOVE that you are answering such tough questions with all proceeds going to Pilot.Dog. Love this. You’re amazing. Some background: I am a 28 year old living in NYC. I am...

  • Posted April 24, 2017
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  Do You Want to Know Why You Are Absolutely Setup to Fail When Dealing With Your Debt?

  As someone who has helped people with debt and money troubles since 1994 I’ve seen thousands and thousands of consumer situations when dealing with all sorts of debt. From mortgages, credit cards, car loans, bank loans, personal...

  • Posted January 2, 2017
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  How to Get Out of Debt. The Honest and Unvarnished Truth.

  As a student of the history of debt, having lived through debt problems myself, and having founded and run a credit counseling organization I have a very unique view from inside and outside the debt world. If...

  • Posted September 30, 2016
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  I Make $165K a Year But Can’t Make Ends Meet. What Can I Do?

  Question: Dear Steve, $100,000 in unsecured debt. $50,000 of total is in 5 year consolidation loans. $10,000 in health bills. $165,000 annual salary. Bouncing credit card to consolidation loan keep credit score high. Going into debt $500...

  • Posted July 27, 2016
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  Is There a Debt Solution Company You Would Recommend? – Donnie

  Question: Dear Steve, Due to medical issues and a large percentage (25%) loss of salary my wife and I are in serious debt. We owe approximately 52,000.00 in credit card debt. I am looking at some debt...

  • Posted December 29, 2015
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  The Fine Art of Getting Out of Debt

  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...

  • Posted January 6, 2015
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  The Get Out of Debt Guy 8 Easy Steps to Eliminate Your Debt Checklist

  So you want to get out of debt. Congratulations. To make your journey easier and to help you on your way, here is an easy to follow checklist to guide you on your journey. Getting out of...

  • Posted June 2, 2013
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  The Universal Secret to Dealing With Debt

  For years I’ve asked people in debt this simple question, “Do you have a greater responsibility to fix the past or fix your future?” It appears Socrates beat me to the punch and asked the same question...

  • Posted April 3, 2013
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  Struggling With Credit Card Debt. Don’t Want to File Bankruptcy or Do Debt Settlement. – Mike

  My wife and I have about $50,000.00 of credit card debt. We both work and we are also paying off our kids college. I do not want to contact a debt settlement company because I believe they...

  • Posted March 14, 2013
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• Matching Financial Tactics to Your Goals. Don’t Think Like a Race Car Driver.

  The other Saturday I went to the drag strip with some friends of mine. It’s an annual event for us. We’re a bunch of car enthusiasts who get to spend a day with some truly amazing equipment....

  • Posted April 2, 2012
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• I Really Want to Avoid Bankruptcy At All Costs. – Sean

  “Dear Steve, I have unsecured credit card debt for around $25,000. I am 27 and make around $55,000, but will be getting a $10,000 raise in the next. My financial situation at work will be improving further...

  • Posted March 29, 2012
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• How can I get out of my Canadian consumer debt? – Graham

  I am almost 25 years old and with my childish behavior behind me I have a financial mess to clean up. My goals are to start a family while being debt free. I am Canadian (Not sure...

  • Posted January 4, 2012
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• How Can We Pay Off Our Debt in Three Years? – Joey

  “Dear Damon, My wife had a full time job, then stopped working for a few years when we had children, then went back to work part time for about 8 years. This was a big decrease in...

  • Posted November 9, 2011
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• Carrying Credit Card Debt for 13 Years And It’s Grown. What Now? – Laura

  “Dear Steve, I’ve been carrying credit card debt since grad school in 1988 – it went from 15,000 to 40,000+ plus in 29 years. I’m gainfully employed, but am 55, living on one income and supporting 2...

  • Posted September 30, 2011
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• Getting Out of Debt Quickly. Is There a Way? – Connie

  “Dear Steve, I have over 10,000 in debt. Most is a credit card and loans. I have debt collectors calling me all the time but I don’t answer. I would like to pay off my debts but...

  • Posted September 20, 2011
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• Couple Gets Out of $88K in Debt in Three Years. Exception or Rule?

  CNN broadcast the story below on how one couple managed to dig themselves out of debt in about three years. It is a good news story for those people that can afford the minimum payment on their...

  • Posted November 17, 2010
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• Are You Really Ready to Get Out of Debt? Can You Handle the Truth?

  The Question Isn’t if I Can Get You Out of Debt. That’s Easy. I Can. The Real Question is…Are You Really Ready? People come to me all the time in an effort to get out of debt....

  • Posted October 12, 2010
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• Thu Wrote Me And Said “I’m Really Struggling, My Husband is Disabled, How Can I Get Out Of Debt?”

  “Dear Steve, I’m married, my husband is disabled. I have 3 growing children and a 6 year old disabled child. My payroll checks go straight to bills. I use the credit card for foods and miscellaneous household...

  • Posted April 10, 2010
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• ChevGirl Writes In And Says “My Marriage is Suffering Because of Our Debt”

  ChevGirl “Dear Steve, Well I am not thinking about death or anything, I am a Christian. I am just having a very difficult time with our finances. The stress is becoming unbearable. My marriage is suffering because...

  • Posted January 13, 2010
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• How You Can Get Out of Debt Fast Without Filing Bankruptcy

  So there’s this guy, Scott, who has developed an ultimate guide to getting out of debt. Sure, I’m as skeptical as the next guy but after looking over the information I was left with a problem, it...

  • Posted January 8, 2010
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• How to Get Out of Debt – Part 1

  What People Usually Say About Getting Out of Debt All day, every day, I read and hear the same pleas and wishes from people that want to get out of debt. See if any of these sound...

  • Posted December 21, 2009
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• Which Debt Should I Pay Off First, Credit Card or Personal Loan? – Sean

  Sean “Dear Steve, I’m a 20 year old college student around $2000 in debt, with two credit cards and one personal loan. What should I pay off first? The credit card with the highest balance or the...

  • Posted July 22, 2009
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• Bank of America Offers “Clean Sweep” Debt Consolidation Loan Up to $50,000. Let’s Look at The Facts And See Who Is Really Cleaning Up.

  In this time of great economic worry and stress, Bank of America is sending out an offer they call their Clean Sweep® – Bank of America® Debt Consolidation Plan. I thought it would be beneficial to take...

  • Posted November 13, 2008
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• Should I Tithe While Getting Out of Debt?

  She and her husband are working diligently to get out of debt . They want to direct as much money as possible to digging out of their hole, but at this point they are also trying to...

  • Posted November 5, 2008
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• The Personal Finance Brain Trust Tackles – Trying to Make Ends Meet But Still In Trouble

  This weeks personal finance brain trust question was one that I received online. My wife and I are both working, paying rent and land payment (have been trying to sell it), 3 kids and other debts and...

  • Posted October 20, 2008
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• Rita Asks “Should We Consolidate Our Debt?”

  Rita “Dear Steve, I want to pay my credit cards off. I will like to consolidate them. We are $39,000.00 in debt. HELP What should I do? Rita” Dear Rita, Thank you for writing to me for...

  • Posted October 9, 2008
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• Tithing, Saving and Getting Out Of Debt – The Personal Finance Bloggers Brain Trust

  This weeks question put to the personal finance bloggers brain trust at GetOutOfDebt.org was: When people are working with a credit counselor or working up their own budget they often hear or believe that they should not...

  • Posted September 29, 2008
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• Lourdes Writes In “What Should I Do to Get Out of Debt?”

  “Dear Steve, I’m in debt really heavy from credit cards and other loans. What should I do to get out of debt. Lourdes” Dearest Lourdes, Wow, I really want to help you with some great advice and...

  • Posted September 24, 2008
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• Ryan Writes In Looking For His Lifestyle Back

  Ryan wrote me through the GetOutofDebt.org site asking about how to resolve his debt situation. If you have a question you’d like to ask, just send it to me using the form at the bottom of this...

  • Posted September 15, 2008
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• Christy Asks “Why Should I Even Bother With Getting Out of Debt?”

  Christy wrote me at GetOutofDebt.org and asked me the following question. “I’ve been in debt so long I don’t even see why I should bother to get out of debt. It’s the American way. You get stuff,...

  • Posted September 10, 2008
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