Debt Answers

I haven’t been filing my taxes lately.   Actually, lately meaning 5 years.  I should be getting big refund back but i had no way of going about doing this.  Found a site though to match me  to a tax debt specialist. So I’ll write more about how it goes after i get matched and learn more.

So after I talked to the last debt settlement company, I found this on the yellow pages.  Talked to the rep a couple of minutes and she gave me a run down on what she’d be able to do.  Matched me with 4 debt consultants and they each told me what they could do with the amex debt. Best offer was approximately paying off only less than 10% of the balance.  I went for it.  And amex signed off on it.  Just took a couple days.  They estimated that I’d be paid off on the card in like 2 … Continue Reading

I ran across a site today that seems to ask the right questions about my problems instead of just asking a debt amount and for my contact info.  I may try this one out (debt free 2008 matching) and see if they can make some in-roads with my $34,000 amex in collection.  Those amex jerks never let me pay it off.  They just sent it to a collector after missing one month.  Let’s let the dogs loose on those guys.

Where did the years go?

Well, I know several people who happen to not carry credit card debt and make it a habit to pay off their cards each month.  The common theme between them seems to be monthly budgeting.  They appear to not spend more than they make each month.  And that is really the secret to using cards.

But for those of you like me, we like to buy things.  And we go and buy the latest and greatest according to our … Continue Reading