Should I Consider Bankruptcy or a Debt Management Program? – Andrea

“Dear Steve, I have 3 credit cards totaling about $2200 that I am 2 months behind on. I have two personal loans totaling about $15,000, one I am current on the other I am a month behind on. I also have car payment, rent, light bill, cable bill, telephone bill, and medical bills. I was … Read more

My Husband and I Both Work for a Construction Company That Has No Work. – Susan

“Dear Steve, I hope you can help me decide. My husband and I both work for a consturction company that has no work. They have not laid us off yet, but have cut our hours to 32 per week. I have not been able to get a nights sleep for worring how we are going … Read more