Managing Debt
Results 91-100 from 3,051 articles
Husband's Self-employment and Debt Has Me Stressed Out
Asked by L.K. from Springfield
on November 29, 2007
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This is a really long story, but I will try to shorten it. My husband opened a small, local business about 4 years ago when our first son wasn't even crawling yet. I w...
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- WOW! I can't believe I found someone going through almost the same scenario I am going through!!!! I have taken over my parents company now in it's 5th year. My par...
- I understand your stress. My husband started his first business 2 years ago and he is not very organized. Fortunately, he has never put anything on credit. What I am ...
- L., Wow! I misread the date and didn't realize you wrote this a year ago! How are things going now? I've been thru similar things with my husband, too. We st...
I"m DEBT Free..Not! I Need Your Advice Again!
Asked by A.P. from Houston
on April 9, 2009
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Okay so I am trying to do the Dave Ramsey money makeover online. I didn't take the class, just saw him here in houston and listen to him on the radio. I want to be d...
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- I have actually NEVER heard of the person before. I make decent money, and although I'm not completely debt free, at this time I only owe about $20,000. $10,000 of tha...
- Hi A., It took my husband and I exactly 22 months to get out of debt completely. We were at $27,000 in debt with credit cards, loans, and a remaining car note balanc...
- Nothing personal against Dave Ramsey...but am I the only one that see's that HE is the one rakin' in the cash? Books, talkshows, seminars....hhmm? Its this simple, l...
Major Debt Considering Bankruptcy or Foreclosure
Asked by G.M. from Tampa
on September 11, 2007
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When I married my husband he had a TON of debt. My mother and I (best friends) assumed it in our credit cards. We are now in the difficult situation of being 141K in ...
Answers
- Hi. I am an attorney and let me start offf by saying that what I am about to say does not mean that I am your attorney. Sorry, but had a "friend" burn me when I didn...
- Please let me know what you find out. I have been considering bankruptcy for a number of years. Although, I don’t have credit card debt, I have many other negative m...
- My aunt and uncle just went thru bankrupcy, As far as I know it was not too hard. It does cost like 800-900 to get the ball rolling. They were able to keep their hou...
What Major Changes Did You Make to Be Debt Free?
Asked by M.D. from Corpus Christi
on November 11, 2010
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I have read Dave Ramsey and we "tried" it for a month or so. Then we quickly went astray without even realizing it. I really want these credit card bills gone!!!! I...
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- Great question! I've never heard of Dave Ramsey until about 6 months ago on this website. I've never looked into anything he's written, workshops, etc. I had larg...
- Congratulations for trying to go debt free. You nailed it! You know exactly what needs to be done to pay off your debt. People do not realize how the teeny tiny lit...
- It not about extreme measures. It's about moderation and living within your means. If you hubby is not on board it won't work. You know what to do, your problem is yo...
Need Advice on Those Debt Consolidation Organizations Out There!
Asked by C.W. from Philadelphia
on June 16, 2009
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It has come to my attention that I need to contact one of these groups/organizations to help us with our accumalated debt to help stabalize us financially. I have reci...
Answers
- C., Having gone through this myself, I can say that when the right company is chosen, it can work wonders for your self esteem and for your debt. At the time I was...
- all I've ever heard is that those aren't good! I believe you can call the companies yourself and negotiate something. Good luck!
- Hi C., Check with your local Better Business Bureau. They have credit counseling. They may be able to refer you to a reputable organization. Good luck. D.
What Is It with Debt Collectors Calling for Relatives Who Have Never Lived Here?
Asked by A.S. from Boca Raton
on February 28, 2011
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Both my husband and I have had, what sounds like, debt collection agencies calling for relatives who have never lived with us (at least not since we were little kids!)...
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- Sounds like your relatives may have listed you as a reference on something...there is no other reason for them to be calling you (absent you having co-signed something...
- Hi A., I would tell the relatives. They may have listed you and your # as a 'reference' which would be how the creditor got your # in the first place. I woul...
- You were put down as a reference for the relatives. Just tell the collector they do not live there. Give the collector the relative's number and then tell the collec...
Credit Card...Anyone Else in Debt?
Asked by K.K. from Washington DC
on January 8, 2011
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Just wondering if anyone else is in debt? I have a CC that was charged at a hotel that I was staying at and I didn't give them permission to scan it and I never got an...
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- If you have been making payments regularly, you should NOT be getting phone calls. My suspicion is that your CC was used fraudulently. Have you contacted the card comp...
- We have some debt, and our thing is that we were under the limit on all cards, but then they charged the fees so that put us over (just this month). Then we got $100 l...
- I don't know of many people that aren't in debt! I got into a lot of debt when I was 18 because I got a credit card too young and didn't have the skills or self-contr...
Debt Collection-am I Being Scammed?
Asked by K.L. from Tulsa
on August 20, 2008
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I will try to make this short. My husband divorced his first wife in 1997. They owned a home together that they purchased in 1995. They were advised by their attorn...
Answers
- There is such a thing as a deficiency judgment (meaning the lender files a lawsuit to recover and the court issues a judgment); however, some states have anti-deficien...
- Dear K L, 3rd party debt collection companies and continue to attempt collection until the cows come home. The bottom line is this: The original debt is over 10...
- Hi! I am so sorry to hear about this stressful time for you. Here is my advice: 1) If your husband is still in somewhat of contact with his first wife, he should call...
Old Student Loan Debt from 1988
Asked by R.J. from Dallas
on February 2, 2007
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Hello, MOM's. My husband recently got a wage garnishment letter from his job American Airlines, stating that the US Government wants to garnish 15% of his net earnings...
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- Thanks for your reply!! I was just trying to help a fellow mom. I realize you were asking a two part question. But I was answering one part. Sorry I did not have 1...
- Does he have more than one student loan? A while back I had financial problems and my loans were in default and my credit was bad. Anyway, I was able to consolidate ...
- First, Government has the legal right to garnish for a student loan debt. That's how students can get student loans by the guarantee of the government that they will ...
How to Handle a Debt Collection Agency's Phone Calls - Could It Be Bogus?
Asked by J.W. from Charleston
on October 23, 2012
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Hi Moms,
I just started getting phone calls from a debt collection agency (stellar recovery) who left a message for me using my maiden name calling from my 'childh...
Answers
- Check all 3 credit reports. The next time they call, answer the phone and tell them they have 30 days to send you something in the mail validating the debt. If they ...
- I don't see the harm in answering the phone, IF you are prepared. Be prepared to not give out any personal information. Period. Be prepared to ask who they are and...
- Because of where I live, I FREQUENTLY get phone calls from collection agencies looking for S. Rodriguez. Admittedly, that IS my name, but let's face it. In El Paso, ...
