Letter People Collection

Why are people so scared/afraid of collection agency? when there’s only a limit of things they can do, call you, send you letters, refer to to a lawyer, etc. 1. you can always just cancel your homephone and use cell phone 2. you can get the call screen..etc. services that phone company provide to stop [...]

Cards Loans

If I have $30,000 in credit cards and loans, do you suggest I find a loan for everything or continue paying? Should I take out a loan or continue to pay monthly, if I have $30,000 in unsecured loans/credit cards? If your $30,000.00 in debt on credit cards taking out another loan is not the [...]

Pencils Smencils

Is there anywhere other than the internet where I can get smencils?? I live in Virginia, just incase that helps. Oh, also, I wasn’t sure if this was the right place to put this but since these are pencils I figured it could be in art/drawing…. oh, sorry, smencils are pencils that are made out [...]

Ramsey Financial Peace

Dave Ramsey’s Financial Peace University: 91 Days to Beat Debt and Build Wealth! Sale Price: $79.99 This author encourages you to stop living with guilt, frustrations and headaches that come with trying to manage your personal finances. You owe it to yourself and those you love to find what thousands already have: Financial Peace! Deluxe [...]

John Cummuta

Does anyone know if the debt solution program by John Cummuta works? It seems to, but you could get the same information for free elsewhere. It seems commonsense, like paying more than the minimum payment on credit cards and such. I think that Dave Ramsey’s books/programs could do better, though I’m not his biggest fan. [...]