We Just Can’t Get Caught Up on Our Bills and Debts. – Beth

“Dear Steve, Divorcee’ with one child, remarried, living in home that is mortgaged under my ex-husbands name only and the deed is in my name only (don’t ask how-lol). Remarried we both work full time jobs My credit WAS descent, until the wedding, honeymoon, car issues and he got laid off. Now things are looking … Read more

I’m An Attorney And Struggling to Pay My Bills. – Pamela

“Dear Steve, I am a single, no dependents lawyer who always spent where I wanted, when I wanted…and was doing ok with this since I earn $200,000 per year. Four years ago I was hospitalized with a sepsis infection post surgery — I was in ICU on a ventilator for weeks, in the hospital for … Read more

Recent Law School Grad Struggling to Pay The Bills. – Lisa

“Dear Steve, -Recent law school grad, haven’t passed the bar yet so not working as an attorney -Low paid job as a law clerk -Don’t make enough to cover all expenses, which include, but are not limited to, 3 credit card payments (12k total,) 3 student loan payments, (total owed $250k) -No health insurance and … Read more

What is My Best Course of Action? – Patricia

Hi Steve, I closed a retail store in October 2004. I settled my debts the best I could but my credit score took a hit. These last few years I (who will be 52 in May) have been partially employed, underemployed and unemployed resulting in our personal credit card debt escalating. My husband (who will … Read more

Made horrible mistake getting car loan for boyfriend. Please help get this car out of my name! – Jocelyn

I really made a big mistake with a car loan for someone else. I bought a house by myself earlier this year which is going fine. I have a 157K mortgage loan. My long-time boyfriend was unemployed and his credit isn’t that good and of course, he needed a car, perfect timing. We initially went … Read more

My Husband and I Don’t Mix Our Money. I’m Having a Tough Time Making Ends Meet. – Chris

“Dear Steve, I’m a 30 year school teacher, wife and mother of two. I have been juggling credit card debt since I graduated from college in 2003. Due to life circumstances I have accumulated more debt. Currently I have $9,000 in credit debt. I pay a mortgage, car, childcare, and the regular living expences. My … Read more

My Sons Went to College and Have Six Loans I Can Barely Afford. – Marcia

“Dear Steve, What is a smart way to be able to get debt free. I have two boys who went to college and we have 6 loans out there now all wanting there money, i am doing my best to catch up and pay on them , but it leaves us has parents and my … Read more

My Credit Score Dropped and I Want to Get Out of Debt. – Renee

“Dear Steve, I obtained my 1st credit card 1 month after my 18th birthday.. that was 10 years ago and now I have 7. I have consoldated my cards with my credit union before, but due to lay off and emergencies, they are charged back up. I’m having a hard time keeping up with my … Read more

We Can’t Ever Get Caught Up In This Financial Mess. Should We Consider Debt Settlement? – Nathalie

“Dear Damon, I lost my job 4 years ago, my son graduated at the the time and is still looking for a real job, so we have more expenses (helping my son to survive, rent, food car..) and less income. We are 4 people living on one salary. On top of that we had to … Read more

We Make Good Money But Just Don’t Have Any Extra at the End of the Month. – Shon

“Dear Steve, We make good money but just don’t have any extra at the end of each month. we have about 25,000.00 in credit card debt. some left over for years some we paid off and then recharged fixing up our house. We filed bankruptcy about 7 years ago and never want to do that … Read more

My 90 Year Old Mother Lives With Me. I’m a Single Woman on a Single Income. – Kathy

“Dear Steve, I am a single lady with a single income. My 90 year old mother lives with me and I have found myself in over my head in CC debt accured over the past 3 years. Because of several different medical issues and necessary travel for work and church during this time I started … Read more