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My Student Loans Are Deferred And I Can’t Pay My Other Debts. – Annie

“Dear Steve, I owe over $20k in credit cards (Discover and Visa, both of which are maxxed out) and over $40k in student loans (which are currently deferred). I changed my spending habits and budgeting over the last 6 months. Despite all of this, I am still only able to make slightly more than the …

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How Do I Get the Credit Card Company to Lower My Payment to What I Want? – Sally

“Dear Steve, My husband almost died due to an abscess on his liver. Medical bills piled up. Then he lost his job. Then I lost my job due to budget cuts. Currently my husband is unemployed, and I am working, but for less than my last job. Credit cards were used for everyday items such …

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I Supported Someone for Three Years That Completely Drained Me. – Jessica

“Dear Steve, I am currently about 15,000.00 in credit card debt and 2500.00 in student loan debt. I have come across many difficult troubles in the past 5 years and i also supported someone for 3 years that completely drained me. I am currently working three jobs just so i can get by and pay …

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I’m Barely Making My Minimum Payments. What Can I Do? – Pete

Pete “Dear Steve, I’m $90,000 in CC and loans. My income was slashed by $50,000. Barely make minimum payments I need advice? Pete” Dear Pete, You’ve really made it hard for me to give you a lot of specific advice since I only have limited information. Your level of credit card debt is high for …

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Rebecca And Her Husband Are Struggling to Keep The Business Going

“Dear Steve, My husband and I own our own business but have been struggling lately. I work a 9-5 job while he stays at home to run the business. We owe a lot of debt in credit cards from working to get the business up and going – and we’re just a few hundred dollars …

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I’m Making My Minimum Payments But It’s Getting Tough. – Barbara

Barbara “Dear Steve, What can I say. With the ecomony the way it is it seems that prices for everything continues to rise but my paycheck doesn’t. I am grateful to have a job but the interest rates on my cards are making it extremely difficult to balance my family needs such as, groceries, car …

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I Carry Very High Balances On My Credit Cards. – Joyce

Joyce “Dear Steve, I CARRY VERY HIGH BALANCES ON MY CREDIT CARDS,AND ALWAYS MAINTAIN TO PAY MORE THAN THE MINIMUM (NO LATE PAY EITHER). WITH A FEW BANK MERGERS, I’M RECEIVING A CHANGE OF RATE FROM FIXED TO VARIABLE APR..AND IF I DON’T AGREE CLOSE THE CARDS,WHICH IN TURN LOWERS MY CREDIT SCORE.I DON’T KNOW …

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