I Have No Income and My Disabled Sister is Living in My House. – Steven

“Dear Steve, I’ve been unemployed since September 12, 2008, the day of Hurricane Ike. I’m about to recieve my final Emergency Unemployment beneft within 2 weeks. I have absolutely no other income, nor job prospects. I have a home which is rented out to my sister whom is disablef and unable to ever work. Those … Read more

James in the UK is Feeling Horrible About His Situation.

“Dear Steve, I’m a student going into my second year and have got myself into a lot of debt. I owe £350 to a payday loan company (who are threatening me with bailifs) £244 phone bill (contract monthly £35) £240 for my first months rent on house I have no income whatsoever till I get … Read more

How Do I Get The Phone to Stop Ringing With Debt Collectors? – Renee

URGENT QUESTION! Renee “Dear Steve, My husband and I have both been unemployed since the first of November. We have two small children, two mortgages (total exceeds current market value), and several unsecured debts (nearly $20000). We are currently unable to even pay minimums. The mortgage company will begin foreclosure if we don’t pay them … Read more

I Had a Western Michigan University Credit Card. I’m Now Getting Sued On It. – Martha

“Dear Steve, I am being sued by a debt collector/attorney’s office on an old WMU credit card account which was closed over 2 years ago. I’ve told them in writing that I have no income other than unemployment and no assets. My court date is scheduled end of January. This week I got a letter … Read more

I’m Frantic and Don’t Know Where to Turn – Karen

“Dear Steve, I’m frantic and don’t know where to turn. My husband of 20+ years informed me recently that he hasn’t been generating income through his business, so he has been taking out cash advances on credit cards, running up lines of credit on our home and other rental property, and depleted all his 401(k) … Read more

I’ve Made an Appointment With a Credit Counselor But What Should I Do? – Mary

“Dear Steve, I’ve been married for 4 years to my husband. We have a home, car, and one credit card in both of our names. We also have credit cards in just my name. Our credit card debt has gotten out of control; to the tune of $93 thousand dollars. $75 thousand is in my … Read more

My Husband is Going to Be Laid Off This Friday. – Lori

Lori “Dear Steve, My husband is going to be unemployed Friday. We aren’t in dire straights just yet however there are only so many hours I can work. He is making the radar but with 9 interviews underfoot and 2 more scheduled he still has found no work. We have submitted over 50 applications to … Read more