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

We Have Always Paid Our Bills On Time And I Don’t Want My Daughter to Suffer Now That We’ve Got Problems. – Kim

Kim “Dear Steve, We have always paid our bills on time. We own our house. We are 85,000 in credit card debit. Both of our salaries have been cut. We have 2 kids and one of them rides horses. We pay about 800 a month on that and I can’t take that away from her. … Read more