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From How to Get Out of Debt

A common conern I hear from time-to-time is if someone goes bankrupt will they be able to find a job or get a job. The answer will surprise you. According to Christine Saah Nazer, of the U.S. Equal Employment Opportunity Commission, “The use of credit histories in employment can have a disparate impact on a [...]

From How to Get Out of Debt

The IRS has just posted a public update on the nonprofit credit counseling agencies that have recently lost their 501(c)3 tax status from the IRS. The companies named lost their nonprofit status in April and early May, 2012. They include: Budget Right Debt Management, Inc. Lake Mary, FL 4/9/12 Budget Right Debt Management, Inc. Maitland, [...]

From How to Get Out of Debt

You hear all the time how credit history can impact your ability to get a job. In the debt relief world debt settlement and credit counseling companies claim bankruptcy prevents people from getting jobs and that’s why people need to use their services instead. But what is reality and what is the negative impact of [...]

From How to Get Out of Debt

“Dear Steve, I currently have a student loan that is 27 years old. I was 17 years old when I was offerred this loan, and really unaware of the rate of interest, penalties, etc. I divorced from my husband at the age of 19 (due to the fact that he was physically abusive), and in [...]

From How to Get Out of Debt

“Dear Steve, Divorcee’ with one child, remarried, living in home that is mortgaged under my ex-husbands name only and the deed is in my name only (don’t ask how-lol). Remarried we both work full time jobs My credit WAS descent, until the wedding, honeymoon, car issues and he got laid off. Now things are looking [...]

From How to Get Out of Debt

A reader sent in the email below that claims to be from a U.S. Ambassador. I wanted to use it to point out a number of warning signs. Starting from the top: The email address this is sent from is not a government address. The reply to address is not a government address. The flag [...]

From How to Get Out of Debt

First, I’d like to say thank you to Steve Rhode for the invitation to make a guest post. Steve, I greatly appreciate you opening up your venue. Rather than focusing on what Debt Relief A La Carte offers, I’d like to take this opportunity to discuss why. It will be much more meaningful for all. [...]

From How to Get Out of Debt

The Military Star Card is a credit card that is marketed and promoted to military personnel. In the past it was known as the AAFES card as well. This card is limited to use at military Exchange stores or through the Exchange website. Only people who are active duty military, military retirees, reservists, National Guard [...]

From How to Get Out of Debt

The report below comes from Venable law firm. All I can say to my credit counseling friends is they better learn the meaning of the phrase BOHICA (Bend Over Here It Comes Again). Earlier this year, the Internal Revenue Serviceas (aIRSa) Exempt Organizations (aEOa) division unveiled its annual work plan. The plan highlights EOas priorities [...]

From How to Get Out of Debt

What spells good news for American consumers, spells more bad news for the debt relief industry. According to TransUnion, the national credit card delinquency rate for people more than 90 days past due has dropped to 0.73% from last quarters 0.78%. In addition the average credit card debt per borrower decreased by $242 to $4,962. [...]

From How to Get Out of Debt

“Dear Jon, my name is manish.i have lived in UK for 5 years and have some debts.i have come back to my home country because my student visa was running out..it has been 2 years since i have come back from UK. can i travel back to UK, if i had some old UK debts?is [...]

From How to Get Out of Debt

“Dear Steve, Residence is underwater Can I acquire a “HAMP’ loan modification if I have a first mortage with GMAC and a second mortage (Equity line with Wells Fargo). GMAC balance $71,000 and Wells Fargo equity balance $99,500. Zillow value is $123,400. Please advise as Wells Fargo could not accomodate with loan or GMAC due [...]

From How to Get Out of Debt

“Dear Steve, I made some bad credit decisions back in 2008 or 2007. A company called The Financial Expert Group, Inc 26650 The Old Road, Suite 110,Stevenson Ranch, CA 91381 is telling me if I pay them $5400 they can make this debt go away for every. Carol” The Answer: Dear Carol, Save your money. [...]

From How to Get Out of Debt

“Dear Steve, I started out with nothing graduating from a private christian home. However I have accrued a $3,000 or more student loan. The first college I tried going to was a big money racket but i didn’t know that, now I do. I have about a $1,500 credit card debt that is already in [...]

From How to Get Out of Debt

“Dear Steve, I was with Note World Settlement for a long time. After them not being able to settle with Discover after 7 year. They told me Discover could NOT do anything to me any more (staute of limiation law) I live in WI. Now I got a bill from Discover for the full amount [...]

From How to Get Out of Debt

“Dear Steve, My husband owns a successful family owned small business. He however had been taught from an early age, how to run it off of credit cards. We are at the point of 4 Credit Cards, with total of 100 K, and a line of credit of 85,000. He has committed to stop using [...]

From How to Get Out of Debt

“Dear Steve, 23K on credit card debt. I am retired and do not make enough to pay these credit card bills any longer. I let my daughter be an authorized user on 2 credit cards. She and her husband both lost their jobs and just recently broke up. I have been able to make the [...]

From How to Get Out of Debt

“Dear Steve, We have an IRS lien against or business that we are attempting to sell, and an IRS lien against our home. My husband and I have successfully ran a small biz for 11 years with the exception of 2010 when some taxes weren’t paid. Weare looking to sell our current location to pay [...]

From How to Get Out of Debt

THE KING OF ZOMBIE DEBT: THE 1099-C. WHAT TO DO WHEN COLLECTION CONTINUES AFTER RECEIVING A 1099-C By Gregory M. Fitzgerals, Esq. Most folks who get a 1099-C accept that it is a good news/bad news thing. The bad news is you must include the 1099-C as income on your taxes. The good news is [...]

From How to Get Out of Debt

“Dear Steve, Cancer forced retirement at age 65 (two yrs ago). Have no income except Soc-Sec and Sm-Pension ($3,000 total). I’m current on mtge (PITi $2300/mo) and on Credit Cards (4ea, w/$50K balance, paying $1300/mo). Yes, spending everything including ‘extra’ from wife’s $350/wk take-home pay. (She’d like to retire next year if she can–assuming we [...]

From How to Get Out of Debt

“Dear Steve, Hi there, I left New Zealand 2005 with I believe bad credit record ( credit card debt, left small phone bill ). I was in a rush, because of my wife and kid’s condition. It was not very moral thing to do…….I admit it, but sometimes we make bad choices. I am planning [...]

From How to Get Out of Debt

“Dear Steve, My Dad got sued by American Express. They filed it in a court in CA. He doesn’t live here in the US, not a US citizen. He visits here in the US for like every 2 years and resides outside of US. He will be turning 70 yrs old and is not employed. [...]

From How to Get Out of Debt

“Dear Steve, My wife and i owe about $20,000. credit cards debt. We have adjustable mortgage that we owe more than the house is worth. We bought the house for $280.000. We owed more than $320,000. The current market value is about $160,000. We would like to pay off our debts sooner. I looked into [...]

From How to Get Out of Debt

“Dear Steve, i am from Charlotte NC my name is Paul i don’t have medical insurance because i cant afford payment i am just student my question is what happen if i don’t pay hospital bills ? what happen if i don’t pay doctor bills? what happen if i don’t pay my credit card death? [...]

From How to Get Out of Debt

“Dear Steve, I was long-term unemployed for 3 years, last one with no UI as it ran out. Finally got a part-time job in February this year. During the 3 years I got 2 judgments against me by Capital One and Chase for credit card debt. Since they could not garnishee my UI they got [...]

From How to Get Out of Debt

“Dear Steve, So here is my question. I’m 32 years of age. I’m in credit card debt of about $25,000.00 with nothing to show but painful memories. I own no home, my vehicle is paid off, I have no kids. I am however planning on asking my beautiful girlfriend to marry me this summer with [...]

From How to Get Out of Debt

“Dear Steve, I was married for 17 years and we always had awful credit scores/debts. I basically “robbed Peter to pay Paul.” I got divorced in 2002, left with just what I could haul. Continuing my survival strategy, I used my credit cards (none with more than $2000 limit) to purchase necessities. I fell into [...]

From How to Get Out of Debt

I just had an opportunity to look at the website for Midland Credit Management and I must say, for a collections agency they certainly appear more like a credit counseling group. Don’t get me wrong, it appear they provide full and apparent disclosure they are a debt collector, “Please understand that this is a communication [...]