Introduction: The Truth About Debt No One Talks About I remember the moment debt took over my life. I had a stack of overdue bills sitting on my kitchen table—credit card statements, past-due notices, letters with big, bold warnings like “FINAL NOTICE” and “IMMEDIATE ACTION REQUIRED.” Every time I looked at them, my stomach tightened. …
“Dear Steve, Over-extended. Lost my job in May, Citi Mortgage will not modify the terms of my Mortgage. I have not paid the mortgage for several months, but have paid all my cc bills. I am out of money, Citi wants to put me on a forbearance plan that adds 2k to my payment each …
“Dear Steve, I’m a twenty-something guy who has made some really poor choices financially in recent years (I’m sure you’ve heard that before…). About a year ago I consolidated several different credit cards into one extremely large account. This past spring, due to several different financial constraints, the minimum payment on that account became impossible …