How Do I Go About Settling My Debts if I Can’t Qualify for Bankruptcy? – Joe

“Dear Steve, Because of financial hardship I have not been paying our large balance credit cards for over 12 months. There are 5 credit cards totaling about $140k in balances. This was all caused by a reduction in pay over the last 3 years of about $100k per year. We also recently short sold our … Read more

Do I Qualify for Bankruptcy? – Oscar

“Dear Steve, I’m 28years old. 11,000.00 in debt. I’m constantly being harassed by crediters and am being sued by one of them and I don’t make enough to pay them all.I have tried debt consolidation but i got fired and was unemployed for 3 months now I’m trying to play catch up with all my … Read more

I’m Divorced and Don’t Know if I Qualify for Bankruptcy. – Betty

“Dear Steve, I was sent a summons from Capitol One. Suing me for a $1000 cc balance. Divorced in 2007, custody of 3 young children. I am on a limited income of spousal support, child support, and a small amount of disability benefits. I paid on cc’s awhile until I couldn’t anymore. ex husband was … Read more

My Fiance Left Me With His Bills. I Am Struggling to Get By. – Angela

“Dear Steve, I currently separated from my fiance and am left with 2 car payments, a motorcycle payment, mortgage, student loans, credit cards and everything else. I obviously, no longer have his income to count on. I have received payment extensions, “down-graded” phone and tv plans, but this stll leaves me negative every pay period. … Read more