Debt Elimination Companies

How can people with bad credit get a loan to help fix their small debt problems? I have debt of 5,00,000. I am paying almost 35k monthly as EMI, Interest. Can anyone suggest me how to clear all the debts. Is there anyone who can lend all the amount and get a reasonable EMI. Any institute or bank there to solve this.

how can people with bad credit get a loan to help fix their small debt problems? I only have a small debt problem that can easily be fixed but I can't get the help I need

Neighbor in debt problems. How can I help? Her mother died recently and her father only gets 934 per month from his pension. The bills are quite large My neighbor doesn't make enough $$ to help out with the bills. Her father is considering moving back to her home country (Wales) because neither of them can afford to pay it off. Is this advisable? Let's say the father does move, would the daughter be liable for the debts of her mother? What do I tell them? EDIT: Actually, I should point out that they don't want money from me just a point in the right direction. I'm stymied as to where to begin. I've called up financial consultants, etc and couldnt get a straight answer. Also to the fellow who said "get welfare" it isnt easy. Especially in NYC. So much red tape, beaucracy, stress.

do the citizens advice help people who are unemployed with debt problems? as a debt collection agency want 100.00 pounds for a debt i cannot afford to pay this and i have told them this what do i do now

Are the Citizens Advice Bureau good at helping with debt problems?

We are having debt problems etc. We received a letter from a local lawyer? with a "Personal & Confidential" note on the front of the envelope stating, "Important information on How We Can Help You Put an Immediate Halt to the Harassing Telephone Calls, Lawsuits and Other Bill Collection Activity" How is this statement on the front of the envelope anything BUT personal and confidential? Is this legal? Unethical? so now my mailman knows I'm in debt. How can this be personal and confidential? well maybe it's legal but in poor taste!!!

Is it possible to learn about credit cards before its too late (Debt Problems)? Ok, here is the rundown. I am 23 and semi struggling with debt. I got my first credit card when I was 18. The only thing that I knew about it was that I should pay it off as soon as I could. Well I thought I could do that, but it all started to add up. I could get all this credit and I did. I was making the money and was able to pay the minimum payments each month. It seems like I am going no where. I realize now that you have to watch out for the high APRs and the late payment fees. And also realize that I shouldnt buy anything if I dont have the money. All I am trying to say is that people need to understand the importance of credit cards. We need to learn as soon as possilbe so we can avoid this problem with our lower generations and help them out. I think that it would be wise for high schools to set up a program for students to learn more about the importance of credit cards. They arent bad as long as you can pay them off in a reasonable amount of time.

Anyone else out there feel weighed down by continuous debt problems? I have never had a break, I should not complain as everyone has a story to tell and I am sure that there are many people far worse off than I, but I feel so tired of batteling with debt all the time. Dispite getting in touch with CAB who have been great. it is a never ending story, the story of my life. The thing is I don't have one as every day is just another battle with how can I pay this or that, I never get in front always behind, it takes up so much energy, I have very little for anything else and I am just so tired of it, anyone else feel the same, it may help to know that I am not alone. Also anyone got any good luck stories of how there lives were turned around.

Is there a company that can help with ALL debt problems including mortgages, car loans & taxes owed to the IRS?

I need help with some debt problems? I have the following in debt: $25,000 - Privet student loans $12,000 - Federal student loans $10,000 - Medical Bills $4,000 - Credit Card I will be graduating this spring and I am looking for the best way to consolidate these debts together (though i may not want to include the federal loans) anyone have any ideas where to turn. Thanks

Help with friend's debt problems please? My friend lives in the UK. He is recieving SSP and has over 30,000 of debt. He gets letter calls etc about paying it off, but he can't because he only gets 70 pounds per week to live on. What is the best way to stop this hassle and get a solution that the creditors will accept? Would making reduced payments or getting a IVA cause credit problemS? Whats the best way to fix this, I want to help him, but don't know what to do.

need some help on debt problems? bills i need to pay i can only afford my rent car payment and food and gas and phone bill. i have a credit card with alomost a thousand dollars on it. and a couple of pay day loans that the interest is so high i am not able to make much payments on it. i try to give them as much as i can but it never takes off any of the principle just the interest so it just remains the same. how do i pay this off?

Help with debt problems? Im 21 and im right around 10,000 in debt. 9 credit cards and 1 school loan. I need some advice on what the best thing to do to get my credit back up and this debt paid off. I heard you pay debt consolidation companies too much. I am trying to do this the cheapest way possible. I work a full time job and my boyfriend is laid off from his job and I have a 1 1/2 year old soo things are tight money wise...any suggestions?

What are some of the options that I have in dealing with my debt problems (I'm on limited income)? This is the situation: I have a physical disability, and am on limited income (Social Security Disability). I had a friend (at least I thought he was my friend; he proved otherwise) who was supposedly helping me pay my bills, in reality, he wasn't, but I didn't know that until it was too late. As a result, I am now in debt with Niagara Mohawk. I let this same "friend" (before I found out what he was capable of- when I still trusted him; I knew him for 15 years, and considered him to be my best friend) use a credit card that was in my name, for a business he was starting; we were going into the same business together, so I felt it was a financial investment. Anyways, to make a long story short, he maxed out the card, and left me with the debt. I've cut off all contact with him. Since I am on limited income, I am unable to pay off the debts or pay for legal advice. Any advice on how to deal with the debt problems (creditors) would be appreciated. Thank you.

help my kid with debt problems? my son recently signed up for paypal, which i thought and now know its over 18 only, but nevertheless he sold phones and sent them. the buyer said he never got them. so my son was burnt over $3000... Now paypal have turned it over to a collection agency and he is paying the debt off even though he's 16?? Need your help on what i can do?? is that legal? he won some phones that he didnt need, so he sold them..

PLEASE HELP! Debt problems you guys are my last resort!!? I am drowning in debt, $4,500 to be exact but for some reason most debt consolidation companies don't take that "small amount" seriously. Well I lost my job about a month and a half ago and have been searching rediculously to find another one. I've never had problems finding a job but then again I am only 19 and haven't had the toughest jobs. Either way, I have no job and i'm almost 90-days past due with all of my 14 credit accounts. They're all cancelled I do not use them anymore and haven't since last year but I obviously cannot make the payments. I am living with my father and off what few things I sell on eBay. I am also a college student. I could also go to school full time which i'd like to do however this load of debt is on my back and I it's like I can't focus on anything else. I've come to my last straw and i've thought of filing bankruptcy. But then it's like, bankruptcy at 19? I think that's a little extreme, but now i've come to the point where I literally have no choice what do I do? Are there any other options besides this? Please anyone with experience!! I am already signed up with two agencies, I have no money!! Another agency isn't going to help! Any other options please i'm desperate!

I'm having a lot of debt problems and feeling suicidal? I'm a singaporean and i'm having a lot of debt problems, mostly debts with banks and just yesterday i received ''Writ of Summons'' from one of the banks... Feeling sucidal at the moment, is there anyway i can get help, possible a loan to repay all the banks in 1 shot? And as i don't want to declare bankcrupt as life is going to be hard if i'm declare bankrupt in singapore. I want to keep my job.

If you get calls from debt telemarketers or agencies all day, does it mean you are in debt? My home gets calls from these people, caller ids are like "debt relief wca" or "solution wca" or "dbt gone wca", but its getting me worried because im afraid maybe my parents are in debt and they didint tell me, so maybe i could know about this to help them. Are these calls just random or are they targeted to people with debt problems?

I've got debt problems? I've gotten in over my head. Some of the debt is my fault but I was recently hurt in a seriously bad accident and now I'm in BIG debt. The helicoptor ride alone was almost $12,000. I'm suing the kid who hit me but until I win in court, which could take up to two years, I have to pay for everything. I'm about ready to lose my house. I feel like such a failure. I have a wonderful husband and two beautiful children. If anyone knows of a program that would help me with my debt or something like that please let me know. Just in case you're wondering no I didn't have insurance. We couldn't afford to. Thank you for reading my question. My husband is my only inspiration. He's what makes me whole. He really does try but I had a sereve head concusion, 6 stitches and had to do speech therapy, broken arm, dislocated shoulder, a huge piece of my shoulder bone completely broken off, and other small things. I've had to have family members come up and take care of me as well as MY children. My family and I aren't getting along so well now so my husband getting a second job is just completely out of the question. I can't take care of my children alone. My husband is the best man I could have ever asked for, I'm truly blessed to have him in my life. Thank you.

Help with my debt problems? I am a recent graduate and whilst i was at university i run up debts of £6500. I have just started a job where i get £1228 after tax but I have to pay £355 on rent £35 on phone bill £40 on car insurance and £127 travel to work so I am left with £557 a month to live and pay off my debts with plus I would like to save some money as I am hoping to get a mortgae soon. Have you got any advice on how much i should save and how much I should pay off as I am struggling? Please help I am desperate.

Debt problems. What options do I have? First off I want to thank you all for taking the time to help me solve this problem. I am a 25 year old college student that is very deep in debt. I was able to make minimum payments on my cards and scrape by pretty much most of my adult life. During May I missed several payments but in June I caught up on all of the late payments. The problem was as I was catching up all of the old payments the new payments were coming in with double the amount due, late fees attached, increased interest and I had no funds to pay these bills. Well after that things just fell apart and I am so far in the hole I do not know how to get out. I contacted a consolidation company and they wanted about 780 dollars a month for the next four years to pay off my debt. I come home with about 1200 dollars and after rent, utilities and my cell phone that brings me over 1200 dollars. I do not know what to do. My minimum payments are through the roof and I cannot figure out a solution to this problem. Thanks

Debt problems--please help--advice needed? Ok.My ex boyfriend(who i have a child with),got a motorbike out on hp when he was 17.His auntie became guarantor because he wasnt 18...It was done through Blackhorse.He got the bike in 2000 and paid £100 a month for 18 months.He has a insurance document saying the bike was worth £2000.After 18 months of paying,he stopped paying and had letters from blackhorse demanding payment.Anyway,The debt people said if he gives the motorbike back then they would wipe some of the debt off-so one morning a bloke came to my house and i signed a form and gave him the bike keys+he took it away. The bike was worth £2000 but coz of hp he had to pay £3600!Blackhorse sold the debt on.Now solicitors want £3800 even though he paid £1800 and gave the bike back?His auntie is getting threats coz she owns her own house and she is so upset as she thinks they'll take her to court..can anyone advise me on what to do?Also the solicitors say my ex didnt give the Bike back(but i have a letter sayin they took it) xx

debt problems..? I want to clean up my credit. but I dont know where to get started...i am a woman and in my 20s I dont have credit card debt. But I think its worse, i have an eviction, and a car reposession (from when I ended a long term relationship that got messy) I also have bad checks and medical debt becasue I dont have insurance. I am not a bad person I am just horrible with money!! I need HELP! Where do I start! IS there any books or can read to help me get started?

Gambling addict, debt problems, lost thousands....? Hi, I'm 24 and started gambling when I was around 17 or 18, I've been gambling ever since and have lost more than I win, total lost of about 80 thousand and the worst thing is that I can't seem to stop. Every time I lose, I would always play bigger and more and eventually lose more. I'm in so much debt now, I've lost my home, cars, and got fired from my job for neglecting my work. I'm so sick of myself and tried to quit and but it's so hard. I would go to casinos, bet on sports online, or have a game at some friend's house, and now just want to stop. My wife and kids left me, and parents and sibling don't want to have to do anything with me. I'm all alone and yet I still find a way to gamble, I'm so sick of myself and this addiction. Has this happen to anyone of you, do you have a gambling problem, how much have you lost throughout, and if you were able to overcome it, how were able to do it? HELP ME, PLEASE!!!!!!!!!!!!!!

Debt problems, PLEASE HELP? I have around 18,000 worth of bad debt. This does not include my student loans. Should I try to file a chapter 7 or 13? If I do what is the cost involved? I was going to try and settle with the creditors themselves. I have heard that with the economy the way it is creditors are accepting payments of .20 on the dollar. Is this true? If so would I have to pay that in one lump sum or can I pay it over 3 – 5 payments? I do not have the means to pay $500 per month. My income has dropped dramatically in the past few years and I can barely even pay the bare necessities. I want to get my credit back to where it was 4 years ago, before the layoffs. My score was a 780 4 years ago, now I think its as low as a 490. If I do file bankruptcy what are the chances of having decent credit within 2 – 4 years? I have heard it takes 7 before your credit score begins to rise after a bankruptcy. PLEASE HELP!! NO ADS PLEASE!!! I am not buying turn debt into wealth program or anything like it!!!! PLEASE!! ADVICE ONLY!!!

i have serious debt problems, i need real help? How do i get a personal loan on bad credit? i just applied a loan for $13,000 to consolidate my credit card debt at citifinanical i have bad credit. so i dont expect a yes from citifinancial. but just wondering if its possible to beg and plead them over the phone and maybe they'll at least reconsider giving me some help? is it worth it? or is it like a NO and thats that, period. regardless of what I say it wont change things? i might kill myself because i just cant take this debt anymore, i am poor and i am broke. and no matter how much I work Im still broke. on top of credit card debt I have 25,000 student loans. I suck at my job and I hate life. I have no friends and no social life. why should I wake up everyday and continue with this

Civil Court Case - Debt Problems - Scotland? I'm in court tomorrow morning for a debt problem with regards to student loans (£5000-SAAS). I have no idea what to expect, what I should wear, what I should say? I dont have any money to pay it back, and can only afford about £20 a month! Please help! Thats great, thanks! i have smart clothes, i dont have a lawyer, but im trying to take your advice as to not panic, although its 1am and my hearing is at 9am, never a good plan! thanks anyway, uv kinda chilled me out! wish me luck!

Need help With Debt Problems? I would like to pay off my debts and consolidation is not really my kind of thing at the moment. what are my options and probably review sites that can use to make some choices

please give advice on my debt problems.? I have a 4 grand debt from uni. i didn't finish and the uni charged me for tuition fees that weren't paid. i have suffered from bi polar since i was 18, and am now 22. this was a major factor in why i left uni. i am now being harassed by a company because i cannot afford to pay more than 100 a month, which i have happily been doing for the past 5 months. they are not forcing me to pay 250 a month and i cant do it. they are threatening me with CCJ, docking my pay and bailiffs. un understand this debt needs to be paid, im not naive. i was just wondering if i get taken to court do the courts take all my issues into account, like ive never refused to pay an instalment, i jusy psychically cant pay the amount they are asking. also, im am on medication for my mental illness and am feeling myself getting more and more stressed and depressed by this, would the courts take this into account? its just there has to be some sort of help for people like me, who got into debt as a result of life issues. thanks. if you answer with a stupid question, screw you :)

please help me with my debt problems? ok im still young and have around 2 grand in debt some being credit card the other just being bills i owe and a 350 dollar ticket i make about 700 per paycheck paid every 2 weeks i need the best advice of how to deal with the stress and just how i can manage to pull all of this off. i need some real advice i know its not alot of debt but when i have nothing backing this i feel like im screwed and sometimes feel worthless i work about 40 hours right now and wonder what its gunna take to actually get some money my way to make a difference please help

Is their any debt help companies in spain that will help with my uk debt problem? Debts are over 15,000 pounds with different companies.

law on debt problems? just wondering if anyone can help let me know where i stand with this problem,about 12months ago,i took out some "high street shopping vouchers" 1000 pounds worth from a local shop which deals with hire purchase and these vouchers etc,i was paying for them on a weekly payment scheme,where each week my payment card was marked up to date,of what i had payed then leaving my balance,however i had a balance left of 285.00 pound left to pay,so thought i would pay it off,however on going to the shop to pay off the remaining balance which was left on my payment card,i was told that whichever sales assistant first set this up for me had forgot to add on the interest to my card,so now instead of what i thought i owed (285.00) i now find out over a year later that i have to pay another 500.00 interest which now makes my balance 785.00,dont get me wrong i want nothing for nothing but its really annoying to think that all this time later they can just stick another 500.00 on my bill just like that,when it was their mistake in the first place,and no fault of mine,does anyone know if i have any rights at all regarding this matter,thanks in advance for any help

If you've been dating your spouse for about 2 years and he/she has a little debt problems what would you do after a year since we've been dating I found out my boyfriend has a little debt problems (nothing major, and they all have good reasons) how would you feel or go about helping him/her. My boyfriends a truck driver and he has a credit card debt from which he put a down payment on his semi. I dont work yet (will son after I get settle in with baby) but we're looking forward to getting an apartment. I dont want it to seem as if we're rushing but we have a 1month old and I wont to get out of his sisters way if you know what i mean or do you think we should wait longer I mean it's been almost 2 yrs... please don't judge the relationship or it's flaws because you dont know the whole story please let your opinons pertain to the question. (will be getting a job soon is what it suppose to say).. not son Excuse my grammer I know I have incorrect spelling here or there but pleae try to make out...thanks

college student needing help with debt problems, PLEASE HELP!? i am working making about $200 every 2 weeks, but the bank will charge me for overdraft fees. it's definitely their fault. and i don't know how to handle it. like, my check will go directly to the bank this friday because they claim i owe then $139. i don't but basically the bank can do whatever they want. & the bank KEEPS doing this to me!! please help me...i don't have money to keep giving away. i need a checking account for things like paying bills and most importantly direct deposit. i would close it otherwise. well the first time they charged me $35, they admitted it was their fault. but by that time i used my card and they charged me another $35. so they took the 1st fee back but by then there was another charge...and another...etc. so ultimately it was their fault. & there's nothing i can do about it.

Credit card debt problem and really need help solving it? Okay I admit I screwed up and went on a spending fee while in college and now I'm paying for it. I recently got laid off from my job, but this didn't stop the bills from coming. I'll tried ever thing in my power to set up a payment plan with my credit cards but now that I'm behind and most of the cards are in collection nobody want to work with me. Most of my credit cards are with a debt management program and some I'm making the minum payment, but there are some that are in collection and I don't like the way the reps talk to me. They're telling me that the account must pay the full amount as if I'm made of money. I've explained to them that I can't do this, but was willing to set up a payment plan. One credit card in collection I owe $1297.25 on it, but when I told them I could pay $25 to $30 a month until other credit cards are paid off and I'll raise the amount they laugh in my face. Their offer was to settle and pay $800.00. I can't do this. I have other bills to pay! Please help!

I'm not sure what to do about our debt problems?? My husband and I had our income reduced 18months ago. We arranged informal arrangements with our creditors to reduce our payments. However when we did this we didn't factor in dental expenses and prescription cost. Birthdays, christmas' and car maintenance. We have borrowed off our friends and family and we need to pay them back £800. We have called our creditors but as we've not fell behind with any payments yet they aren't helpful in reducing our payments as our wages are the same, in fact some of them want us to increase our payments. This month we are now going to be forced not to pay them as some family members want their money back and our cars MOT is due. I'm not sure what to allow (money wise) in the household budget. If someone can help me I could at least send the creditors a breakdown which might help them reduce our monthly spend. We owe £45000 approx and bring in before any bills or expenditure £2100 approx.

What is a fast easy way to get out of debt? I'm getting rather frustrated with my debt problem. I desperately need a quick fix!! I'm not sure about debt consolidation? Can anyone offer any advice on this? Preferably someone with experience... I don't have a steady job either, I'm a free lance artist and my husband is an entrepreneur if that helps. Thank you for your advice and comments, I'm at my wits end with this whole thing!!!

What should I do.............HELP. Credit Problems? I'm 27 and started a business when I was 20. I was making over $300,000 per year when I became sick. I lost my business and owe just over $100,000 to creditors for loans that were made to the business which I personally guaranteed. Because of my illness I haven't worked in over 4 years and haven't paid any of my creditors either. I've lost my house and my car (live with a family member), my credit is terrible and all I have left is $25,000 in cash. Should I try and work out a payment plan to my creditors and get a job? Or should I file bankruptcy and just start fresh (I hate the idea of being ruined for the next 10 years) I'm also considering starting another business with the money I have but am not sure how to handle my debt problem first. The first business I started with only $1,000 so I have enough money to start a business and don't need any more capital or credit to do it. Please serious advice only. Thank you.

is a debt management plan a bad idea? I was thinking of entering a debt management plan to pay of some bills to leave myself with more cash at the end of the month, however I seem a little bit weary of this, is it a bad idea and has anyone ever entered one. I contacted a company called Chase Saunders who appear to be very keen to help me out with my debts, can anyone advise me whether this could be a bad idea to do this or whether its just best to work out my debt problems myself to keep a credit rating at least

Have Debts with my Bank can i make myself Bankrupt? I dont run any company i am just a simple working citizen. Have big debts because of not being able to pay for my loan. Can i make myself bankrupt to loose my debt problems? Also other creditors chasing me. Maybe i can get advise or help from somewhere?

How to get help with South Carolina payday loans? I have 3 payday loans in South Carolina, but I don't have the money to pay them back right now due to bills. Do they offer payment plans to customers with debt problems? Will they put me in jail or take me to court? Or will this just go on my credit report?

Debt problem please help!? I am currently behind on quite a few bills such as personal loans a credit card etc..I also have Alot more past due that are in collections. I don't own a home i live with family rent and utility free.I got out of the military last year due to a medical discharge.The Va has only been able to help me find a job that brings home around 500 a month. I get 1100 a month from them for my disability.And no THERE IS NO JOBS WHERE I LIVE! I HAVE LITERALLY TRIED EVERYWHERE.my problems started when my income got cut in half after the military and i went through a divorce around the same time.That's where it just all piled up and now here i am. I don't even know what some of my past due bills are or how to find out all of them. I did a credit report and some of the ones i remembered aren't even on there. I need to know if a debt consolidation loan would be a good option if not then what?I can assume that my total debt is around 15k. Any advice would be great and if you don't have anything nice to say keep it to yourself. Thanks in advance. Oh by the way i live in mississippi.

Personal Debt Problem? Hello, I have a bit of problems with my financial situation. I have been unemployed for 5 months and I've just started my new work. I can't keep up with repaying all the debt which stacked up over the period of my unemployment and I just don't know what to do. I have a little baby to look after where I can go to get some help or advice how to resolve this situation without going bankrupt. Thank you Your advice was realy helpful. The only problem I have is whenever I talk to my creditors to set up a repayment plan they saying that the ammount I have offered is too low and one of the debt companies is simply saying if the repayment plan will not hit the minimum of £x a month we will pass it to the court. Please give me some more advice on it. Thank you

How to help someone eat during Anxiety? My sister has been suffering from Anxiety due to some serious debt problems and for the past 4 days she can't eat anything. She feels sick, with a tightness in her stomach and can't even swallow any food that she tries to eat. Can you tell me any way I can help her to start eating properly? Can you also give me general advice to help her through this? She can't sleep and her heartbeat becomes very rapid for periods of time.

credit card debt problem, Help? I am very embarrassed to say once again, that I have fallen into credit debt to the tune of £35,000! Two years ago I took out a loan with my mortgage company to clear one set of CC debts. Two years later, I have been sucked in again and feel rotten about it. Can anyone here please give me advice on what to do? Should I take out another loan with the same company and consolidate my CC's. Or should I go back to the credit card companies? If I can clear this debt, I will try everything in my power not to make the same mistake again. Fluff with sleepless nights again! Please help! I am single with no dependants. I know this is all my fault and do feel guilty. I have a generous heart and have given away too many cash gifts and taken too many holidays. Spent heavily on gadgets etc. I will cancel all credit cards and seek advice, will probably take another loan to consolidate and then keep a tight reign on all future spending, no more borrowing on cards ever again! I mean it this time. Thanks for all tips and comments, I can see light at the end of the tunnel, long trip but worth it.

What are the politicians doing with our money? Seriously the reason why our country states, cities and counties are having debt problems is because of these dirty money hungry greedy politicians. They for one don't know what they are doing and also they are probably taking our money in pocketing most of it for themselves. Like the taxes we pay. Why is it they make so much money to serve the people when it also seems like we are serving them? If anyone really believes the majority of politicians has the best interests of the people they are really stupid. I mean I think politicians should not make any money and work for free. This way they can actually help people do whats in the best interest of the people and not be out for political or financial gain. When i hear a report that says the county has no more money now they got to close down a couple of schools i think there is those greedy politicians again. Does anyone agree with me is there more to this? I might not have hit it right on the button but greedy politicians have certainly been a problem until alot of people stand up to them its never gonna change nowadays i don't see that happening. Whats your take on this?

18 year old with credit card debt? Ok, I am a very responsible 18 year old with a credit card debt problem. The reason I got a credit card to begin with is so I can start building my credit as I want to be in business in a year or two. I made sure to look around at different solutions, lowest amount etc. I got the Chase $300 max credit card. I got the card back in around May of 08. I made the first few payments on time and before I even got a statement. Then the economy took a hit on my single parent and required me to have to help buy food, rent for home etc. I valued this more than my credit and still sort of do because family comes first! My single parent has recently just got a job a little over a week ago from being unemployed for over 9 months" and I am now in debt of around $600-$700 "not much" however that is not the problem. My credit, the interest, the economy and the amount I am now making "job" is the problem. I do not wish to share the earnings however being one who still needs to contribute to my family to help stay in our home and survive I have no choice. I only have around $100-$200 right now to pay the credit card and I have to pay over $500 and Chase wont take anything less. Which means more time put off more interest and more bad credit ratings. I have seen a lot of buzz lately about credit card debt programs for people in debt over $5k, however what about people in my particular situation what can I do? I work hard and am even listing my stuff on classified ads to raise capital. "Being 18 I don't have a lot of stuff that is worth much as having a single parent you don't get things just handed to you" which is also good as it teaches you money management, etc. Though I did research on the front end life happens and causes problems. If I knew this would happen I for one would have never got a credit card to begin with. This was only to build credit. I know I screwed up by not paying the credit card off properly. Please do not make comments that are not helpful to this situation. I am only looking for help and advice. Thank You for your time!

What is the name of debt author who had tv show on TLC? He had a tv show on TLC helping people with debt problems. He is also an author with some books out. He is bald with a mustache and wears cowboy boots, if that helps. I cannot find his name anywhere on the web. I am looking for his books.

credit card debt help? Hello everyone. My friend is in serious credit card debt problem. He is in about $20,000 debt with credit cards. We need your help in how this credit card debt can be solved. We have looked at many organizations such as credit guard and etc. What do you recommend for us to do and who do you recommend as the best to help us take care of this problem? All help is greatly appreciated.

What percentage of American adults have credit card debt? The other day I heard a commercial on the radio in which a guy said "Everyone has credit card debt! Everyone! If you need help with your debt problems, we can help ......" Yes, he really said "everyone" has credit card debt. That ticked me off, because I don't. I pay my credit card off every month, and have never been late. I can't be the only person who does this - living within my means. Do these kinds of commercials bug anyone else? Do you have credit card debt? Anyone know the percentage of Americans with credit card debt? whimsy: Yeah, too bad I can't be like all those people defaulting on their mortgages and piling up debt on credit cards - those are incredibly responsible people. Oh wait, they're the ones who got us into this whole economic mess! whimsy: So funny I forgot to laugh. Rather ironic statement there. Ok, what happened to whimsy's answer? Did someone report it? Seriously, I'm so over people reporting others' answers.

Having Problems with mom? it started when i was 14 she met a new guy and i moved out of the house to my dads that didn't last long before she told me he wasnt really my dad at this age i didnt know what to think of it so i went crazy and eventually met him he told me i wasnt his daughter unless i learned how to roll a joint anyways... many things happened that werent good i found myself with no place to go and phoning her but she was still resentfull for me leaving when i was 14 and told me there was no room for me..... i found drugs and an abusive boyfriend stayed with him for 6 years trying to get away continuous times.. it wasnt till i got pregnant and clean did i start talking to my mom again... which was when i was 21 she lived three hours away and i discovered that she had two more kids and was married.. i went to come visit her and she ended up finding out what was going on gave me the ultimatum to stay up with her or never talk to her again so i stayed but her husband wouldnt let me stay in the house because my abusive ex knew where it was and didnt want to put the kids into danger . i ended up staying in a womans shelter for three months until i got into low income housing everything was going good i decided to go back to school got full custody of my daughter and made new friends i eventually met another guy but it all went sour. i found my mom pulling me out of debt problems all the time knowing that she was in debt herself but what else was i to do im just trying to get by myself. Anyways i screwed up a couple of times with my place and got an eviction notice this was just after the fact that one of my little brothers(9) was in the hospital and rehab for the last four months and money was tight and when i told her they had nothing nice to say to me "your a low life you will never amount to anything and blah blah " so i was crying so much i hung up the phone.. my grad was the thursday after i invited her to come... she had sent me an email saying that i was so ignorent not to even call her and tell her what was going on with my place.... which i didnt get until the day after my grad but it was sent the day before my grad... urgh i just dont know what to do she told me that now that i have my dad helping me out because he said he is going to help me out this semester when i go back to do RCA course he will be paying my rent bills and tuition..... she feels like she has been used and is a chump.... i don't get it... I have sent her an email and tried to tell her my side of the story and apologize that i hurt her. but right now i am dealing with arbitration and all my prerequisits and not being able to talk to her is getting to me.. i cant function i mean that is my mom and i love her so much how could she be so mad as to not talk to me at all... i call her i email her i just want my mom i know this is childish for being 24 years old but i feel like i let her down and its the worst feeling in the pit of my stomach help please!!!!

Attention Credit Experts!!! I need your help!!!? I have got myself in a little bit of a debt problem, racking up my cards to the max. totaling to 8500.I know it's my fault, but I am hear for help, not lecturing!!! Unfortunately my credit score plummeted within the past few days due to a town home I was renting that tried to double dip us even though we found someone to take over our lease, so that is on my account as derogatory. I didn't feel it was necessary to pay for something we didn't owe so, instead of settling with us they put it on my credit. I want to figure out how I can get my score back on it's feet with making all my debt card payments on one payment a month. My score went from a 684-591 (ouch!!!)....is there any simple non sarcastic advice I can score from you guys!!!? Please Help!!!

Need help with my debt problem!? Can any1 tell me if i go to a finanical adviser with my debt can the some how help to get me a loan to pay that off and at the same time help me to get a mortgage ive heard that they can, ive tried to get a loan myself to pay my debt off but had no luck. Help!!

How do you approach a debt problem which is not your own? What do you do or what do you say when your husband is helping his family's loan problem while you as a couple are trying for a life together and children in the future and there is nothing on the horizon that shows you you will be saving any money anytime soon...at least for another 15-20 years. See, the thing is that the husband has strong bonds with his family in that whenever they seem to have a financial problem he is there to help. 'What is the crime?', you would retort. See, the thing is that the husband's father must have a psychological problem of some sort because he goes out and borrows money,massive amounts of money which he does not intend on paying back as he is not working or working on and off. The husband's sister recently got married and the family spent lots on money for the bride, as you would expect, except that the money was borrowed with the intention of the son/husband paying it back. I have grown to be resentful towards the husband's family and their immature-cum-endless borrowing of money which their son has to help with. I sincerely have no hope of future or kids with this man when there is a big cloud hanging over my head, with debt popping up out of nowhere and, even worse, with no expiry date. To make matters worse, my husband has told me that 'he cannot leave his family deal with this on their own' which would be fine if he was single but since we have started on a life together, we should put it in action, without his side of the family ruining every effort we make. I have talked to him about it, and he says he does not blame me for feeling this way but when I offer him a solution (that is to talk to his father about the fact that he cannot always pay back the debt because he will have his own family) he says that his father will not want to admit the psychological problem of borrowing money and therefore it will be useless talking to him. But I feel at my wit's end, there MUST be a solution. I mean of course, your family is your family even after you're married and you still care for them but this is different, this is exploitation. His father even said it to his face one day about his younger sister 'You will take care of your younger sister (financially)now. I have done my duty'. I went crazy when I heard this. The guy is out of his mind! This seems like a never-ending problem for me and I feel that his side of the family has absolutely no consideration and respect for their son, whom, in one way or another, are seeing as a paying machine. This might sound harsh but there is no other explanation for their attitude. I mean, when did they ask me if I am happy with their intruding my life this way, putting this cloud over my head that is eating me up over and over? They do not care about the way they disrespect me? And what about our children? So I have to get pregnant for them to finally see that he has to tend to his own family, his own life, to achieve his own goals, to make HIMSELF AND HIS WIFE happy? (Of course, I would not ever get pregnant to open someone's eyes, I know better than that). I am really a stranger to them. But what about their own flesh and blood? He recently told me he feels like 'a slave, there is no other way for him to work and pay back debt.' It tore me apart to see him succumbing to this 'fate' without a fight. I feel like I have to open his eyes. To show him there is a solution. I will not always be young. I am 26 now and do not want babies anytime soon but that will not last forever. Babies need money from both parents (I am already working).They need clothes, food, education but most of all peace. I doubt if the debt situation will be resolved if/when they come along. Is there a solution? Have you had a similar problem? How do I come to terms with this situation that is really eating me up day in day out? How do I become psychologically stronger? Thank you for being patient enough to read my (endless) story. God bless you.

debt problem... who do i make payments to? my brother's used my name to purchase computers through dell. they made payments through out the years and a total of nine years later the debt is now 2,500 with change, AND 1,700 with change. i'm not sure how these amounts sky rocketed and now a scam lawyer and scam company (i did a research) is asking for the amount mentioned above. i want to clear my name of debts but i don't know who to pay to. dell told me that my files are not with them anymore; it's with a collection agency. SCAM collection agency. please someone help. what do i do? who can i check for help and access? i really don't want to pay anyone who doesn't deserve it... especially with that kind of money. i saved and sacrificed a lot for these monies.

How can I solve my debt problems and get a mortgage? I currently live in council accomodation with my husband and 3 children. We both work but cannot get a mortgage as we both have debt problems. I desperately want to change our situation and get on the housing ladder but I need to solve my debt problems. Any tips would be great. I currently have a repayment plan but it is going so slowly at this rate I'll be paying it off in 15 years time!

what is the best way for my freind to fix his debt problems? My friend lives in the UK. He is recieving SSP and has over 30,000 of debt. He gets letter calls etc about paying it off, but he can't because he only gets 70 pounds per week to live on. What is the best way to stop this hassle and get a solution that the creditors will accept? Would making reduced payments or getting a IVA cause credit problemS? Whats the best way to fix this, I want to help him, but don't know what to do.

How can developing countries solve their debt problems? How do you think developing countries, logically, solve their debt problems?

Should I use consolidation company for debt problems? I'm having some serious debt problems, as many of us Americans are. I'm truly considering using a consolidating debt company to assist me with my debt. Have any of you used this process? Is it really helpful? Or, should I work out all of my debt on my own? I want to get rid of this once and for all!

What kind of attorney to contact for debt problems? What type of attorney should I contact regarding bad debt, charged off accounts, advice on paying my accounts off in the best way possible, and ways to eliminate, or at least make charged off accounts look better on my credit report. Obviously a "Paid in full" charged off account is going to look better than a remaining balance that hasn't been paid. What kind of attorney specializes in this?

How to solve debt problems? Any one suggest me? I have debt of 5,00,000. I am paying almost 35k monthly as EMI, Interest. Can anyone suggest me how to clear all the debts. Is there anyone who can lend all the amount and get a reasonable EMI. Any institute or bank there to solve this.

Why must everything people in America do be related to stress, debt and/or more problems? I've been noticing that people in this country have really gone off the deep end over the last 10-15 yrs. Everything they do in life most be related too more debt and/or problems. It is almost like people live to work instead of the other way around. Why have such large families? Big houses? Big cars? When having small versions of all these things bring more freedom to life and more options? Have people in this country forgotten how to live? Must everything Americans do be related to debt. stress and more problems?

I have serious debt problems from overspending on credit cards, what happens if I speak to the creditors? do they freeze the debt, if not, what can they do?

Is there a way to restore my credit rating after bankrupsy and debt problems without paying back money?

If marijuana became legal would it solve America's debt problems? If marijuana became legal would it solve America's debt problems

Who has credit card debt problems? How much is it and what are your payments? What's your plan of rescue?

I Cant understand why so many of my friends have debt problems? But yet they want to buy a new car every other year. They want to buy £90 pairs of shoes have 2 holidays a year etc etc. Then they wonder why there credit card is "Maxed out" Why do people try to live beyond there means????????

How many of you have used "Credit Solutions" for your debt problems? do they really work or are they a scam?

What problems can an increasing federal debt create for the country? Can deficits be good for an economy? What problems can an increasing federal debt create for the country? Can deficits be good for an economy?

Do these cases of government debt and budget deficit indicate potential problems for the economy? Does the size of the government's debt and the size of the budget deficit indicate potential problems for the economy in any of these cases? 1. The government's debt is relatively low, but the government is running a large budget deficit as it builds a high-speed rail system to connect the major cities of the nation. 2. The government's debt is relatively high due to a recently ended deficit-financed war, but the government is now running only a small budget deficit. 3. The government's debt is relatively low, but the government is running a budget deficit to finance the interest payments on the debt.

careless consumers and not credit are to blame for debt problems. Agree of disagree? Justify your point of view, (if possible) Basically I need arguements why this is the case, pleassee :)

I want to join the police force. Will my parents debt problems effect this? ? I'm 19 years old if this makes any difference to the situation. I've been thinking about joining the police force, but looking it up has gave me concerns as I am unsure that they will accept me due to my parents finances,

I have debt problems, tell me yours? I have debt problems, tell me yours?, what happened? are you resolving it? how? did you lose family or property over it? what type of help is out there?

What are the national debt problems? Can you name 2 problems and 2 ways to fix it. Thanks, And can you give me the website you found the problem. thanks so much

How Can Low APR Credit Card Eases Debt Management Problems?

Can the US gov. start to have problems after it goes too far into debt? I was just wondering if there were any negative consequences associated with the US gov. constantly borrowing money for do things like give people tax rebates, bail out banks and corporations and send money to Iraq (anything that raises the debt a lot). Obviously the gov. will have problems paying that off, so after a while will the US gov.'s credit go bad? Why do banks lend to them constantly if they're only paying them back at the same rate? How can the banks trust the government? I'm just wondering... it seems like we borrow a lot.

i have debt problems and need a new bank account. one with an overdraft and debit card. a branch in birmingham must be in birmingham uk.

Why do people have so many kids to the point they have no life outside of debt, stress and problems? Are you expecting a medal for living a difficult life on purpose!!!! LOL Seriously, what is the point of living like that? It is almost like a person wanting to live missing a limb.

I owe to 4 different credit card. I have no money. How can i solve my debt problems?

My husband has had problems with debt. is there a way to tell if he applies for a card? We are in serious trouble with my husband using credit cards he never told me about. He has been paying our bills for years. We are trying to get a second mortgage to pay off. I have lost trust because he has not been honest. Is there a way in the future I can check if he applies for credit cards? Do I just need to keep checking his credit?

Is it possible to run away to another country due to debt, personal problems, etc. ? Like from Canada to Bahamas, Mexico, etc? In terms of debt I'm just talking like only $5000 credit card debt.

How do you keep your optimism going despite debt and other problems?

Are consolidation loans the answer to debt problems?

Why are the states deepest in debt and mortgage problems mostly Dem states w/ large immigrant populations? CA, AZ, NV, FL Is it because Dems are pilfering America to illegal immigrants in order to get future votes ? V, Arnold is RINO. The legislature is vastly Demoncrat. Napolitano is from AZ. She was Gov. V, Reid is from NV. But, in any case, you ignore the immigrants.

how and which government grant would best benefit fixing someones debt problems as well as going to RN school?

Serious debt problems! I have a really bad debt and my mom wants me to pay for it.....? I have a debt of about $1000 Cdn and my mom thinks i should pay for it. I've tried negotiating with her and family members but I'm told to solve this on my own. It's not because of shopping. Its actually health bills. My problem is I'm unemployed, and now is not the best time to ask my friends because they're stuck in their own financial situations regarding school tuition payments...ok all of us have money and debt issues. I'm in the process of looking for a new job and i haven't landed one yet. I've already cut off my cell phone and i sold a few designer clothes i have for a good offer. I sold some of my stuff inclidong some cds, art, stuffed animals, CD player, etc. I only covered about $250-$300. I'm still about $800 short. I don't want to do anything that breaks the law(shoplifting, robbery, etc.). That's just not me. Someone i've met last yet, an aquaintance, told me her biggest secret into staying out of debt and always having money......she SERIOUSLY DOES PROSTITUTION!! She told me that she doesnt do it often and when she's about to go broke then she does that. She has rent and bills to pay too but her job pays exactly enuff for her to pay for those....she needs money on the side for food, transprotation, tolietries, and heatlth things and thats the reason why she does that...... Now she was telling me she'll willing to pull a few strings for me in order to get out of that....but i have to do prostitution myself, she's willing to help me get customers.....I almost have no other way out.....I'm still waiting for job interviews and acceptances to work but i have to pay for this within a certain period........ So my problem now is choosing to do that. I'm aware of all these infections and stuff that you can get when you have sex...... I don't plan on that forever, i just need enuff to pay for my huge debt and i plan to stop....she's waiting for my 'ok' to go ahead but i still don't know.....

Why do cons blame social problems for the huge debt? Clinton had all the same social programs and left a $10T surplus so how can they claim the debt is the fault of social programs when a democrat president left a surplus? Are cons liars or insane?

Debt problems, I don't even know where to begin!!!? Hey everyone, I need some help. I have been looking over my finances and have come to the realization that I have way too much debt!!! I have a few credit cards and some car payments, frankly the monthly payments have become almost too much for me! I need to reduce my debt, but have no idea where to start!!! Any help on where to begin?

Im having problems with credit card debt? I have a little more than 12,000 in credit card debt. My credit score probably isn't the best. I was just wondering what options I have in order to lower this. Anyone have any suggestions? Any help would be much appericated.

how would one apply for a government grant that helps in 2 ways, fixing ones debt problems and paying for RN?

If you have unpaid debt from Canada, is that a problem for studying in the US? I have unpaid debt from a Canadian University (which is not my fault, really). I now want to study in the US. Will my debt problem cause me further problems in the US? Normally one country's issues are not dealt by another, but US and Canada are somewhat close in those respects so I can't say.

Can financial problems and debt drive one to suicide?

Someone told me that if you were 65 and having debt problems that it could not be reported against you. True?

Debt problems!!!!? I have debt problems currently owe £9,000. I have for the last two years not been in a position to pay any of these debts but i have recently got myself a good income and i am finally able to start repaying these loans. What is the best way for me to start doing this. take out another loan with a credit agency to pay off these debts? My bank does not want to know and the debtors are asking me for too much per month there are three of them? what is my best route?

$30,000 debt problems? wath you suggest to help my husband get out of his debt problems they are 1 credit card debt and the rest is for car reppo and bank over draft i really need to know wath we can do. thank's for your opinions

Debt - solving problems of this.? Why on earth do people go to debt consolidation services etc, when the citizens advice bureau help to sort out debt problems for free?

Mental Health & Debt Problems (UK)? I would appreciate any advice from the UK on this issue please - I experienced a period of mental health problems which caused me to be off work for 6 months and necessitated being under the care of a consultant psychiatrist. During that time my debt problems became acute and I took out a bank loan with the aim of consolidating debt. With hindsight this was not a wise decision and made during a period where I was not thinking straight about issues and has – a year on – only really compounded the problem. I was never sectioned or admitted as an inpatient to hospital so I presume that I was legally competent to enter into a contract (even if it was not the rational thing for me to do!) Basically I want to know whether my mental health can be used a mitigating factor in relation to dealing with what has become a substantial debt problem.

Does debt consolidation work and help improve your credit score? I am really bad with paying bills and my credit has taken a hit these past couple years. I make enough money where I should be able to pay everything with no problem but for some reason I continue to struggle. Do you think a debt consolidation would be best for me and to help me improve my credit score? Does this really work?

Is it better to file for bankrupsy or just work out the debt? Well im kind of having a problem desiding weather to file for bankrupsy or just work the debt problems out with the credit card camponies. What do you think would be the better choice.? In the long run will I have bigger problems or not?

i have debt problems and was wondering where i can find a personal loan even if i have bad credit?

The real problem the US has is debt, so why are we increasing it and creating massive inflation all at once? It's kind of funny if it weren't so sad. The "experts" are giving all the wrong answers and in fact making the problem even worse for the coming future. Everything you see in the market and for all the businesses is a symptom of the debt problem. Americans are out of cash, that means the GDP will spike downwards, people will lose their jobs. We don't have a manufacturing base in the country anymore. The US won't and shouldn't be the greatest country in the world after how it has acted and behaved. The government is bankrupt as well.

What problems are involved with using these "Credit Card Debt Reduction Services"? I see a lot of advertisement from companies that claim they can reduce your credit card debt by 40% to 60%. What is the down side to using them? If they are successfull does it effect your credit rating? What do they charge? What must your situation be for them to be able to be successfull, Broke?

Of all the problems facing the U.S., is the problem of mounting personal debt the greatest threat? Will the party come to an end when foreign investors start to pull out their money from our economy? The subprime lending scare may be just the opening salvo across our bow.

How will Obama inact any of his domestic policies with the massive US debt, the major Mideast problems & a.... US recession? Raising taxes on the rich & cutting taxes for middle class, as he has pledged, won't do the trick. So how will he bring in all his massive new welfare programs like universal health care if he's got no money to pay for them? Hope? Faith? Change?

help debt problems? can someone help me i have a fair bit of debt i owe roughly about 12 grand ineed help i want to start getting my life back to normal without worrying about paying bills i had my own house but lost it due 2 money problems i'm in a full time job so i shouldn't be in this mess my friend told me to go bankrupt but i'm not sure can someone help please

What are the main problems and causes of personal debt in society?

Please help my wife has credit card debt problems? My wife has a 13,000 debt in credit card bills. About 5 years ago i helped her pay off a 12,500 debt due to the same thing. Now im in Iraq working my ass off and i have found out that she has been lying to me and is in debt 13,000 all over again, i found out by, you guessed it paying 10 bucks and getting her credit report.. this is destroying me, i have no credit card debt, ive saved 50K in im in the army as an enlisted soldier, and i only have 1 credit card that i pay off all the time, i hate owing money, in fact arguing about money is leading me into wanting a divorce, i cant live like this anymore i have 2 baby girls and they are suffering because of a shop aholic.. this is ridiculous, i can pay the debt off but what good would it do? she needs professional help maybe through tricare, who can she see to get help withhow she spends and budgets money?im fed up and dont know where else to turn to, i dont see where the money went to, she doesnt have anything its probally all interest.. first she is not a stay at home mom, she has a job she spends all her money plus an entire end of the month pay check of mine, so throw that out the window, its not i left her and didnt give her any income.. next we have seperate accounts because she cant control her spending she was like this back in the 90s and she is still still way today.. she makes good money and still its all gone, she only pays the bare minumum and is slow to pay and misses payments now the intrest rate is over 30 percent on a tab of 10,000 she is paying 600.00 just in intrest alone not even touching the principle, we dont have co-owned credit cards they are all hers in her name not mine if they were in both our names being that im deployed i would have been able to get them down to 6% intrest by federal law due to being deployed... The money i saved is of my own saving for years, i've given her everything she needs, but now im forced to cut her off because she cant control her spending, she buys junk ......

help in debt problems ? i have a swimming pool company every thing was going good untill work just stopped and nothing was comming in so i closed it and now i have about $150,000 worth of debt to suppliers subcontractors and i have another business which is still open and my brother ran it to the ground rent was not paid and i owe money transfer companies about $25,000 because my brother stole them and one of those companies have a judgement on me already and i have about $11,000 in credit card debt what do i do and how fast i can get my life back in track thought about bankrupcy but i don't know how and who to talk to please advice

I wish to have serious answer about person/firm for financial aid/help to save a family from debt suicide? A family reeling under heavy debt problem could be saved from debt caused perishment, if details of any person / firm / organisation who / which extend financial help to the deserving people on merit, is known by approaching them. Please be serious to answer me. Thanks a lot.

Any useful tips to help me in my debt problem?? I am in my final six months of university. I have incurred debts of over £5000 on credit cards just to survive my training to be a nurse. I will have a good wage in a few months but I find now I am just paying the intrest. I also have two loans also to help me through studying but they are nearly paid off now only another year on them. I would appreciate your advice on my credit card debt as intrest alone is now £120 a month without touching the balance and I still have to manage on £550 bursary per month. I cant work as my placement is 40 hours plus uni time.

Please help im having problems with debt company RMA/NCO!? Hi I have a debt of approx £512. I have been making payments to nco/rma for 5 months at £20 per month as this is what i can afford. They are now calling and voice texting me every other day sometimes twice a day to demand more than that. They ask me to up my payment which i keep telling them i cannot afford. I am willing to keep paying my debt off which i really want to do at the rate of £20 per month. They are so horrible on the phone, even accusing me of fraud as i took out a credit card and now i cannot afford to repay it? Every letter i send them they 'cannot find' i have sent payments that they say went missing to end up finding them later on. They ask me things like 'when will you be in employment? and 'can you borrow the money? What can i do they are so horrible, it makes me feel like ignoring them but i like to be in communication with my creditors, they also say they might send a field agent to my home and may take me to court???????????

I have a serious debt problem please help? okay i have several payday loans out and i wrote a couple of bad checks which ended up in telecheck and now theyre demanding money but i dont have a job or anything right now what does telecheck do????

Are there any programs that help with Medical debt? I have no health insurance and have about 50,000 in medical debt from kidney problems over the last year. Are there any programs that will help?

How can Ecuador fix their debt and economy problems?

How might debt-equity swaps help solve the international debt problem? point out the benefits and drawbacks from the viewpoint of the debtor country? why do you think the debt-euipty swap market have remained small over the years?

How can a 14-year old teenager help her parents on Debt Diet? I've seen Oprah show on debt diet. But can you help me with my friend's problem. She has a daughter of 14 year old. How can a 14 years old teenager help her parents on debt diet?