We Have No Savings, an Underwater Mortgage, and the Car Just Died

“Dear Steve, I have $11,000 in debt, no emergency fund; home seriously underwater; car died and employer just dropped our healthcare coverage, which looks like it will add another $500 to my monthly expenses. It looks like I need to address 3 of the aforementioned expenses immediately; how will this impact my credit score or … Read more

I’m Working With a Credit Counseling Group But I’m Broke. – Cat

“Dear Steve, I shared most of it on your post about bankruptcies, DMP, and Debt Settlements. I have not been able to establish an emergency fund. I have no money nor credit obviously for a bankruptcy attorney. I still have about $25,000 in debt to pay (and this does not include a student loan that … Read more