I have been noticing commercials for companies where they can take your debt and basically make it go away . Like, if you have a bunch of credit card debt, the companies can reduce the amount you owe and get creditors off your back .
I have a mound of debt and can't figure out how to get free of it . I'm wondering if I should try one of these things .
Dump Debt South Florida
Dear Dump Debt ,
Things that seems too good to be true tend to be exactly that . Debt settlement companies are popular in that they do help consumers to reduce their credit card debt , but typically the consumer is left with the plummeting credit scores .
What experts recommend instead is to work with a federally accredited company that is affiliated with the Independent Consumer Credit Counseling Agencies . I advice you to work with a reputable company that can help you create a budget and strategically dig yourself out of debt . Typically these nonprofit companies support free of charge . To learn more about the support you can get through these agencies, visit aicca.org/.
Maxy
Dear Maxy,
I'm a 59-year-old non-working female who has been married for 20 years . I thought my husband was a wonderful man , but 10 years ago, he removed my name from our joint bank accounts . I worked for 30 years . I have to depend on my husband for everything . He doesn't give me money unless I beg for it .
Is there anything I can do legally to persuade him to give me an allowance ? He says he pays all our bills, so I don't need any money . Our children agree with him . For health reasons, I cannot return to work . What can I do ?
Confused
Dear Confused,
Because your husband and your children all believe you should not handle money, I have to ask whether there is a reason . Do you gamble ? Do you overspend ? Even so, you still should be allotted a small amount of money for personal use .
The other possibility is financial abuse . Many people think abuse is predominantly about physical harm, but it comes in many guises, one of which is controlling all the money in the relationship, making one partner completely dependent on the other . If this is what is happening in your marriage, please contact the National Domestic Violence Hotline ( thehotline.org )
at 1-800-799-SAFE.
Maxy
Dear Maxy ,
My husband is addicted to political TV shows . From the moment he wakes up until who knows when, after I go to sleep at night , he is listening to these cable shows, talking to the TV set and filling the house with political arguments . I used to like this because it showed he was paying attention to what was going on in the news . Now I realize that it's way too much . There is never a neutral evening in our house if there is a volatile political topic in the news . Frankly, this is getting old .I am tired of hearing it . I need to know how I get my husband to dial it back a little ?
Overloaded
Dear Overloaded ,
Tell your husband that you appreciate his political enthusiasm, but that it is taking over your household . Ask him to agree to a few hours each day without any TV stimulation . Suggest that healthy family time includes talking to each other free of outside distractions. He loves you and I am sure he will listen to reason.
Maxy
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