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I am drowning in credit card debt because i became disabled and had to use credit cards for daily expenses, medications etc. I have over 100K in debt other than my house and have wiped out my savings and retirement accounts. I draw Social Security now. Is there an answer besides bankruptcy?

Hello, sorry to hear about your situation. Unfortunately, it is all too common these days given

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Hello. I have Credit card debt and also a collection on a Truck I no longer have. I have been out of work for 2 1/2 years do to a work related injury, and the work comp case is not going to be over any time soon. I have lost alot of money do to this and have fallen behind on my bills. The collection company handleing my truck is talking court. The only choice I think I have is dept help or Bankruptcy. what should I do?

Hello. If you no longer have your truck I assume it was reposessed, no? If so then

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AS A WAL-MART EMPLOYEE OF 7 YEARS, I HAVE BEEN CONSISTENTLY BEEN IN DEBT BY NOT MAKING ENOUGH MONEY TO PAY FOR GASOLINE AND FOOD. WITH MEDICAL AND CAR EXPENSES, LIVING IN CALIFORNIA, I FIND IT VERY DIFFICULT TO GET AHEAD AT THE AGE OF 63. SO I HAVE PUT ALL MY DEBT MAINLY ON 2 LOW INTEREST CREDIT CARDS AND HAVE USED A THIRD TO FALL BACK ON WHEN I DO NOT HAVE ENOUGH MONEY IN THE BANK TO COVER MY EXPENSES, BILLS, ETC.. DO YOU THINK I SHOULD GET RID OF ALL MY CREDIT CARDS? RAM

Hello. I understand what you are saying. It is becoming increasingly difficult for many people

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I have a 80/20 arm mortgage scheduled to go up in november. I cant refinance because we are in so much debt. Do you suggest bankrupcy over debt settlement. Im currently in a ccc program that I cant afford.

Hello. Unfortunately I do not think debt settlement will be an option for you. As I am

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is debt management similar to filing chp 13?

No. A debt management program is the simplest means of helping someone with too much

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Everytime I get close to deciding what debt relief action to take, I read really bad experiences that clients have had with that Co. I just know I need to get with a Co. fast & get started. I really don’t know what direction to take that’s going to keep me out of trouble. (lawsuits & judgement & even warrants.) Can you really give some advice?

Each person’s situation is different and any decision should be based on your own research and

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What Are the Drawbacks to Debt Settlement Programs?

Of course, nothing is perfect, there are problems with debt settlement programs. Often debt settlement information is provided by salespeople who make it sound too good to be true for many people in debt. It needs to be reviewed carefully as it’s not the perfect solution for everybody. If I tell a person struggling with more »

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How Do I Avoid Filing Bankruptcy?

Bankruptcy is really a last resort. You want to avoid filing bankruptcy as much as possible especially now that the new bankruptcy laws have made it so much harder to file and wipe your debt slate clean quickly. The debt settlement option as discussed here is the bankruptcy alternative that most people with lots of more »

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