Credit Counselors Say More Middle Class Families Seeking Help | WBN...

Full story: 10TV WBNS

Dealing with credit card debt is tough enough, but many are also dealing with job loss and the possibility of losing their home.
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1 - 20 of 24 Comments Last updated Mar 26, 2014
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Marc

Marysville, OH

#1 May 25, 2010
File Chapter 13 Bankruptcy and be done with it! It's the same as going through credit counseling without paying the fees to a counselor. Your credit rating will be hit just the same either way.
rick

Columbus, OH

#2 May 25, 2010
id like to talk with some one but. but ive heared some of them are scams.do you know of ant it didnt say the name on your show.thanks so much .
rick

Columbus, OH

#3 May 25, 2010
yes
just saying

Galloway, OH

#5 May 25, 2010
to little to late
Explains

Columbus, OH

#6 May 25, 2010
why all the empty houses in Delaware county.
think twice

Columbus, OH

#7 May 25, 2010
Everybody needs to sell their houses and rent again. That way home prices will collapse even further (if that is even possible). Then rich people who actually have jobs will buy them when they're dirt cheap and then sell them once the prices go back up again. Ah, America. Home of the rich and advantageous. Love ya, darlin'
guest

United States

#8 May 25, 2010
rick wrote:
id like to talk with some one but. but ive heared some of them are scams.do you know of ant it didnt say the name on your show.thanks so much .
I work in the default banking world and bankruptcy hurts worse than credit counseling! The credit card companies can settle your debt for a fraction of what you owe, sometimes as low as 40%. Try cambridge credit counseling, I've heard WNCI talk about that particular agency several times.
what a crock

Columbus, OH

#11 May 26, 2010
Stay away from CCCS! They TRIPLED the debt on 3 of my credit cards by NOT getting the full cooperation of the lenders, so all of the payments were showing as late, therefore, I was charged late fees. Every month. For over 2 years. Finally got out of their 'program' and just filed for bankruptcy. And it didn't hurt nearly as bad as those 'in the industry' say it does. If you do use a credit counselor, be on top of things, every month.
Slumburbia

Canal Winchester, OH

#13 May 26, 2010
Korean Hooker wrote:
Our Dear Leader will take care of us. Trust in Him!
Headline in next Columbus Dispatch: "Korean hooker" slimed by Koreans tired of his bigotry, say "go buy American hooker, loser"
Slumburbia

Canal Winchester, OH

#14 May 26, 2010
Look Korean Hooker, you DID make the news: Ex-Prostitutes Say South Korea and U.S. Enabled Sex Trade Near Bases
http://www.nytimes.com/2009/01/08/world/asia/...

“Can't we all just get along? ”

Since: Dec 09

Home is where you make it.

#15 May 26, 2010
Of course they are seeking help...I make a very good income of which I could afford 3 home mortgages 15 years ago. Things have skyrocketed so much, it is impossible for a man to support his family on one income.

My girl does not want to work but she has no choice. Since the market adjusted to a two income society it has only gotten worse. I say..(and I hate to say this because I believe in woman's rights) something has to give. How about if 30 million women suddenly stopped working? Then employers would have no choice but to pay workers their worth. Women complain so much today about men not being able to provide. Well, you wanted equality by working and you got equality. Now we are all equally shite.

I will also add that this would work for men as well. I would have no problem with staying at home if my woman could provide for the family on one income. If at least one of us is at home raising kids properly then maybe it would be better for the kids.

Maybe it would be better for American kids if one parent could stay at home. Look at how much control over our own families we have. None to very little. We need to find some way to take back American values. I say, bring back quality jobs and make it an employee market. The question is about choice and now we have little choice.

“Can't we all just get along? ”

Since: Dec 09

Home is where you make it.

#16 May 26, 2010
Also, for those who know me...You know that I have already started the next trend. Since we have a 3 person income house, what about when the market adjusts for that? There is simply no way to get ahead...
Lets Think

Dublin, OH

#17 May 26, 2010
The government talks about bailing people out. We had no bailout when we couldn't pay the mortgages on our rental properties because none of the renters could pay their rent. They bail out big businesses that got into trouble because of bad choices, but the people who are trying to be responsible are left out on their own. I'm thankful we are employed and have our home, but there is no money for our kids college.
Telmark

Chico, CA

#18 May 26, 2010
Lets Think wrote:
I'm thankful we are employed and have our home, but there is no money for our kids college.
Have you considered enrolling your children into a two year college? Your children could complete the required courses and then transfer over to a four year college in order to further their education.
EHF

Dublin, OH

#19 May 26, 2010
For the people who have lost their jobs and are hurting I feel sorry for. But for the people who do have decent jobs and their income has not been effected I wonder why they are hurting. Why do people have 2,3,4 or more credit cards and use all of them. Where is the self control when it comes to buying. If you can't pay cash or you can't afford the credit card payments when they are due you probably don't need it. Pay cash when you eat out, save for the vacation, get a couple more years out of the car, stay home and work around the house on the weekends, set a budget and stick to it. Cut up all but 1 bank card, tighten the purse strings and think to yourself when you want to buy something...Do I really need this and better yet can I really afford this. A little self control can make for a less stressful time when the bills are due.
Bob

Columbus, OH

#20 May 26, 2010
EHF wrote:
For the people who have lost their jobs and are hurting I feel sorry for. But for the people who do have decent jobs and their income has not been effected I wonder why they are hurting. Why do people have 2,3,4 or more credit cards and use all of them. Where is the self control when it comes to buying. If you can't pay cash or you can't afford the credit card payments when they are due you probably don't need it. Pay cash when you eat out, save for the vacation, get a couple more years out of the car, stay home and work around the house on the weekends, set a budget and stick to it. Cut up all but 1 bank card, tighten the purse strings and think to yourself when you want to buy something...Do I really need this and better yet can I really afford this. A little self control can make for a less stressful time when the bills are due.
Perfectly said!!!!!
Also, I will add, just one of the reasons that the world is going down the tubes is because of people living beyond their means. In "my" opinion, we are living in our last days. The predictions are all coming to head.
regina

Brunswick, OH

#21 May 26, 2010
Well, Duh.....they have the load of most of the nation. Everything is going up except their pay.
Lets Think

Dublin, OH

#23 May 26, 2010
Telmark wrote:
<quoted text>
Have you considered enrolling your children into a two year college? Your children could complete the required courses and then transfer over to a four year college in order to further their education.
We are looking into options like that. Thanks.
CrimJusProfessio nal

Columbus, OH

#24 May 26, 2010
Just curious how many on this board make the connection between two ongoing wars (the military uses 52% of the USA fuel) and the economy going down the tubes?

It's a shame so many are in this situation, unfortunately, it was predictable. The bill (along with exporting jobs) had to come due sooner or later.
Stay at home Mom

Columbus, OH

#25 May 26, 2010
I am a stay at home mom and my husband makes good money. I believe that you can make it on one income if you make the sacrifices to do it. We dont have fancy cars, our kids go to public school, we dont have the biggest house on the block, we dont buy things unless we can pay cash. Your lifestyle is YOUR choice and trying to keep up with the neighbors will only give you heartburn (and lots of debt). We stopped using credit cards and low and behold...our balances went down! What a novel concept. I think that we all need to take a step back and look at our lives, how we got to the place we are at, and what we can do to change it. Mind over matter!

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