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Is New Era Debt Solutions Legit and Should I Sign Up With Them?

Question: Dear Steve, I am about to sign up with New Era Debt Solutions are they legit. I am in a really bad way and already spoke to others like National Debt Relief and got scared away with their rush tactics, now I am talking to NewEra and everything I have seen on the web …

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I’m a Social Worker, Struggling With Debt, and Wondering if I Should Declare Bankruptcy? – Kate

Question: Dear Steve, 40-year-old single mom, 2 master’s degrees (still paying off at $700/mo), always gainfully employed as a clinical social worker, currently at same job past 8 years and currently at $66k/yr. The problem: after becoming pregnant 3 years ago, my ex dumped me, I relocated back to my hometown and moved in with …

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Struggling, No Savings, and Family is Telling Me to File Bankruptcy. – Kimberley

“Dear Steve, 53, steady income 57k, additional income from roomate of 25k, only assest 2008 car, mortgages 324k, cc debt 28k, 80k in retirement but no savings. Considering chap7 to eliminate cc debt. Current but struggling due to additional income of roomate has decreased due to medical problems. household expenses and mortgages are consuming most …

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Should I Declare Bankruptcy or Wait Four Years? – Lisa

“Dear Steve, I used to make $140k, but then got divorced and lost my job. We had over $100k in credit card debt. My husband already declared BK but I haven’t for fear it would reduce my employability. My debt went delinquent 9/09 so I have already put in 3 years and they will fall …

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Should I File Bankruptcy After My Divorce? – Marie

I was married for 11 years. My credit was always in good standing and I paid my bills on time. My now ex-husband and I kept all of our banking and credit card accounts separate. Reason being is that his credit was really bad. Due to helping bail him out of financial disasters over the …

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My Credit Card Company is Threatening to Sue Me. What Action Will They Take? – Monica

“Dear Lewis, I got a green card 8 years ago after marry my american husband and loads of offers of credit cards droped in my mail box.I ‘ve got a lot of credit even without ask for. Back in my country I’d always been a great bank costumer with 5 stars check accounts. I used …

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Husband Died. No 401K. No Life Insurance. Should I File Bankruptcy? – Patty

“Dear Lewis, i lost mt job in feb 09 did not find work until sept 09. though my husband worked we where not able to make ends meet. we have still been struggling to make ends meet even after i found a job. but in jan 2011 my husband died, no life insurance, no 401 …

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I’m Moving Back With My Stepmother. Should I File Bankruptcy or Go With Credit Counseling? – Maya

“Dear Steve, I currently bring home $2500.00 per month and I have been fully employed in outside sales for the last year. I have credit card debt of $45,000.00. I am trying to bring in more income and cut my rent costs by moving in with my stepmother if she agrees. Barring a new position …

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