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I Am a 63 Year Old Senior And Struggling to Make Ends Meet. – Carol

“Dear Steve, I am a 63 year old single woman who has been living in a condo that I have been paying a mortgage on for almost 27 years. I am presently collecting social security and have a small part time job. I have very little savings which I am using to pay bills. I …

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Financial Concerns for People With AIDS/HIV

A diagnosis of HIV or AIDS will change your life. You may spend much of your time thinking about life and death and your own mortality. You might be trying to hold onto a job, if your health will allow it. You may be wondering who to tell — and who to turn to for …

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I’m a Divorced Single Mother and Trying to Make it on Social Security. – Robin

Robin “Dear Steve, Steve; I came through a divorce with $57,000 in debt, but I had decent job and this was not a huge problem but then I became disabled, couldn’t continue working and of course got behind in my payments. My mother know how stressed I was about my financial situation and allowed me …

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Social Security Wants a Refund of Benefits Saying I Earned Too Much. – Cameron

“Dear Steve, I’m disabled and receive social security disability. I work part-time. Social Security has a limit on the amount SSDI recipients are allowed to earn from work. I got a letter and a bill from them telling me that in four different months over the past two years I earned too much money. In …

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How Can I Get a Credit Card Company to Accept a Repayment Plan I Can Afford? – Scott

Scott “Dear Steve, How can I get a credit card company to agree to a repayment plan that we can afford? My stepdad passed away last fall, and as family stepped in to help my aging Mom, we discovered that they had accumulated about $35K of credit card debt. They were supplementing their fixed Social …

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My Husband Walked Out on Me and Left Me Disabled and in Debt. – Maggie

“Dear Steve, Divorced, disable on Social Security, 61 yrs. old. My husband walked out on me in 2005 after taking every dime of security I had worked for all my life. I have a refurbished trailor I purchased by mortgaged property I received after my mother’s death in 2003. I had two credit cards at …

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My Husband Was Forced Into Retirement and I Only Get Social Security. – Susan

Because of the volume of submitted questions, I am behind in personally answering every single one. I need your help. I am publishing the question below for you to answer. Please help this person by adding your response and advice in the comments section of the original question.

73 Year Old Retired Teaching Assistant Drives Credit Cards up to $18,000. – Camille

Camille “Dear Steve, I have a 73 year old friend who, unbeknownst to her son, has driven two credit cards to their limit, approximately $18,000.00 in all. She is a retired teacher assistant and has little to no money left each month after paying the minimums for each card plus her health insurance. She is …

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Retired With Debt on Social Security. What Should I Do? – Kent

“Dear Steve, Retired one year ago.Have $37,000 in credit card debt.Payments total $1,200 and my SS is $20,000. I am not behind but struggle to make payments. Several cards have uped my rate to 30.0% only do to my debt to income ratio.Again, not behind but getting nowwhere with cards increasing rates. Considered Banko or …

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