“Dear Steve, I just can’t make ends meet anymore. We are trying to stretch our money but there just isn’t enough to make the minimum payments. How can I obtain a payment plan with credit card companies that I can afford? David” The Answer   Dear David, It is quite possible that you will not be able to come to ... Read More »

Veronica “Dear Steve, Gawd I hate being in this situation, but I am 45 years old and almost $70,000 in debt. Most of it is from student loans, IRS, and other loans. No credit cards. I’ve heard that you cannot file bankruptcy with IRS or Student Loans debt. Was wondering if this is true. If so, what other options should ... Read More »

Heather “Dear Steve, Basics: I just turned 40. I’ve been unemployed for about 9 of the last 18 months. Finally have a part time, minimum wage job. Looking for more work but can’t find anything yet. I owe around $12-15,000 in unsecured debt. I agreed to a program with Discover where they reduced my interest rate to 5.9% and automatically ... Read More »

I apologize in advance for the short response. I am currently away on vacation with limited internet but wanted to give you an answer as soon as possible. Steve Gasper “Dear Steve, I currently owe $2600 on a credit card, which over $800 of it was fees from over a year ago. i went on a payment plan where i ... Read More »