Authorities say a Texas couple has been charged with wire fraud for swindling $13,000 from a north Mississippi couple while purporting to work as a debt settlement company. Mississippi Attorney General Jim Hood said 50-year-old John Clune and 44-year-old Monica Clune are from Farmer’s Branch, Texas. Both were charged Thursday on five counts. Hood said Friday in a news release that the couple worked under the business name “A Different Debt Company,” which claim...

Debbie wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to help me to help others, there are easy and free things you can do, click here to learn how you can help. “Dear Steve, My house is paid off and has b...

Sara wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to help me to help others, there are easy and free things you can do, click here to learn how you can help. “Dear Steve, My husband got very sick several...

Chadra wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to help me to help others, there are easy and free things you can do, click here to learn how you can help. “Dear Steve, My mom is 56 years old and dis...

“Dear Steve, Hi my name is Glanda, i go to school. i got myself in a debt that i cant even pay back. how can i try to pay back slowly? i really need help with that. i dont even work anymore. iam really confuesed with this pls help me. iam willin to listen to any advise you give me just to get out because this not gettin any better but worst everyday. pls reply me back as soon as possible pls bye Glanda”   Dear Glanda, So you want to know the magic answer...

Janet wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to help me to help others, there are easy and free things you can do, click here to learn how you can help. “Dear Steve, I am 66 married hubby is 55 &#0...

Scammer comes clean. In 2005, Anna Aayala was dining at a San Jose Wendy’s restaurant when she claimed she chomped down on a partially-cooked segment of human finger. The fast food chain suffered an estimated $21 million in lost business. Her husband, Jaime Plascencia, got the severed finger from a co-worker, who lost it in an industrial accident. Both Ayala and Plascencia pleaded guilty. Aayala was sentenced to nine years in prison but was released after four years on goo...

Dena wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to help me to help others, there are easy and free things you can do, click here to learn how you can help. “Dear Steve, My husband bought a 07 Chevy tru...

Here is an interesting excerpt from an interview with Elizabeth Warren, Esq. FC: I understand that at one point you pursued an entrepreneurial path to reform the consumer financial products market. EW: The short version is that I studied the economics of the middle class and I began to see that credit products were becoming increasingly dangerous. Families didn't know how much they were spending on credit and comparison among the products was practically impossible beca...

“Dear Steve, I owe $30,000 in credit card debt on two cards. One card there is 9.99% rate, the other is interest free until Dec. ‘10 (after that the rate states 9.99% but is subject to change) I can make the minimum payments but not much else right now until my balances decrease. I have been using the snowball approach to debt elimination and I feel good about the results and just have to stay away from using the cards as much as possible. And I will continue to ...

“Dear Steve, I have 11000 in credit card debt. I am able to make the minimum payments. The minimun is 416 a month. After all other bills I am left with about 150 per month. I have looked into debt consoltdation companies but I am not sure which one I can trust. I am considering Debt Options( www.123bedebtfree.com). The problem is they can only save me about $50.00 a month which is not alot. Do you know if Debt Options is a good company? Do you have any other sugges...

I first went to this company, The Achievable, for help with credit card debt. I had, emphasis on the HAD, great credit but I had racked up some debt and wanted to get out of it with lower interest rates. I called an ad that I had heard on the radio and got a really nice guy named Brian. He set me up on a debt consolodation program that was to have lowered the interest and paid the debt back in 4 years, I was thrilled. I was promised that all of my creditors would participate and...

Amanda wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to help me to help others, there are easy and free things you can do, click here to learn how you can help. “Dear Steve, College student living on my o...

Robin wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to help me to help others, there are easy and free things you can do, click here to learn how you can help. “Dear Steve, Steve; I came through a divorce...

CCB told me they could remove negative items from my credit report, and have my credit score above 700 in 3 to 6 moths. Their fee is $49.95 a month, and they charge $30 to pull your credit….It has now been OVER 14 months and OVER $750 they have taken from me and NOT 1 SINGLE ITEM HAS BEEN REMOVED FROM MY CREDIT REPORT!!! I called Rick frustrated and angry, and he says the same thing each time I call, "It can take longer than we think, just stay with us for another rou...

“Dear Steve, My wife has been ill for the past six months she had a heart attack in Nov 6th.I had to take a 25%pay cut my company kept me but took the pay away,I was upside down in my truck the payments are 368.00 per month is is possible to get the payment lowered My wife has a 2005 ford and I have a 2001 Dodge truck her payment are 498 and mine are 368 per month .who can help us get these lowered Mike” Dear Mike, Your options are going to be to possibly re...

“Dear Steve, I just bought a home with a fha loan. the previous owner had renters in the home per our contract they had 60 days to vacate the home. I just found out I will be losing hours from work but will not be laid off, can i keep the renters in the house so i do not default on my loan after the renters move out? Trixey”   Dear Trixey, This is a very easy issue to resolve, ask your lender. But it is my understanding that FHA loans must be owner occup...

Cameron wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to help me to help others, there are easy and free things you can do, click here to learn how you can help. “Dear Steve, My income is from social secu...

“Dear Steve, My wife signed me up for Express Debt Settlement Holdings Inc without my signature or knowledge in Sept.. By the time I found out it was past the 30 days to cancel. I started expressing concerns to the number she had for the person who claimed to be in charge of our account but he was just a sign up person for Coastal Credit Solutions.. He told me many lies and claimed they would soon have enough money in my account to make a settlement. Well we got serv...

“Dear Steve, I am currently being sued by my credit cards for debts incurred prior to my divorce. During the divorce I gave the franchises to my ex although they were bought with a second mortgage on my house. He is paying the second as required by the divorce papers but is paying late, once he missed 3 mos in a row. He is further ruining what little of my credit remains. I cannot get the house refinanced due to poor credit score so I have no way to pay off the credi...