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Living on a Budget, Saving Money/Questions Answered by Expert Bill Bauer
| Subject | Date Asked |
| Working and in debt | 7/13/2010 |
| Q: My wife and I are $200,000 in debt. Mortgage, personal loans, credit cards. Our bill payments-due ... A: It makes absolutely no difference whatever why you are deeply in debt. The only fact is that you ... | |
| Working and in debt | 7/6/2010 |
| Q: My wife and I are $200,000 in debt. Mortgage, personal loans, credit cards. Our bill payments-due ... A: Two things are immediately apparent. The first is, as you say, CCCS didn't work. Most people never ... | |
| 21 with a huge car payment | 6/29/2010 |
| Q: About 2 years ago I took out a 60 month loan from BMW for a brand new car. I've already paid off 2 ... A: You aren't thinking very well. While your thinking might seem quite logical you aren't looking at ... | |
| $30k in debt due to job loss | 5/3/2010 |
| Q: I was at a job for 10 years and was laid off almost 2 years ago. I was out of work for a year and a ... A: If you have $500 a month then it should take you less then 2 months worth of that much money to get ... | |
| Credit Card Company | 3/4/2010 |
| Q: I have been having trouble keeping up with my payments since Aug of 2009. I have been getting calls ... A: Not really. I certainly wouldn't make them any more payments. Of course that will mean they will try ... | |
| Are There Reputable Debt Consolidation Companies? | 2/2/2010 |
| Q: I'm really trying to get in control of my finances. I've had to depend on credit cards for things ... A: I understand that there may possibly be a very few debt consolidation companies out there but I have ... | |
| Family Finances | 1/21/2010 |
| Q: Hey Bill.....I'm 58, my wife is 57. Together we make around $115,000 per year. I have about $110,000 ... A: My answer may very well shock you but my advice is that if you are in a hole then stop digging. If ... | |
| debt relief companies | 1/7/2010 |
| Q: Are these legitimate and how do they work? Chris A: Most of them are not. I do work with one that I consider to be reliable and trustworthy. If you ... | |
| Where to go for help. | 7/30/2009 |
| Q: I am a 49-year-old middle manager for a large corporation; father of two teen daughters. I need to ... A: I'm not a financial planner but I can teach you get rid of some of that debt. It won't be easy and ... | |
| Credit Card Debt - to pay or Not pay it off | 7/22/2009 |
| Q: I recently saw Suzie Orman on a talk show where she said with today's recession situation, CASH IS ... A: It is a tough call. I do agree with Orman on her point that cash is king and you do need a cash ... | |
| Student Loans and Financial Aid | 6/22/2009 |
| Q: There wasn't an expert listed under the Financial Aid category in Education, so I was hoping you may ... A: I really don't have any answers for you either. You just have to figure out what your goals are and ... | |
| Income decrese | 1/4/2009 |
| Q: I need help and don't know where to get advice. I am a single person that has been at the same job ... A: One thing that would help a little bit is get a magic jack which will cost you about $110 for 5 ... | |
| Debt consolidation | 9/30/2008 |
| Q: Bauer, I have done some bad decisions in the past that have put me in debt. I have learned my ... A: Making bad decisions is something we all do. To err is human but as human beings we also have the ... | |
| ex-husbands debts. | 3/5/2008 |
| Q: .. I wonder if you can help me with a question I've been trying to get an answer to for a few years ... A: The tax man can do anything he wants to do, make any ruling he wants to make no matter how fair or ... | |
Answers by Expert:
Bill Bauer
Top Expert on this page
Expertise
I can answer questions about debt and debt management. I can also answer questions related to collection agencies, abusive debt collection practices and how to defeat them using the federal court system.
Experience
I have been helping people with debt related problems, mortgage forclosures, credit card debt and most other types of debt and collections problems for more than 20 years.
Organizations
Jurisdictionary, J-accuse
Education/Credentials
Paralegal and practical training and education
My web sites have been on the internet for about 10 years and have been very instrumental in helping hundreds of people resolve their debt related problems which have ranged from simple solutions such as the sending of a creditwrench debt validation letter to more complex solutions such as filing lawsuits against debt collectors in federal court. Our students have been very successful indeed. One student has filed more than 40 federal lawsuits and lost only one. Another student has filed multiple suits and has never lost a single one. We have two types of courses available for our students. The first and most basic teaches how to gather evidence of wrong doing by debt collectors which can be used against them in court if need be which it usually isn't. If you would like to become a creditwrench student all you have to do is call me at 405-616-7901 and start your learning process with our series of powerful anti-collection letters. You can also visit our web site at http://www.creditwrench.com and you can visit our message board at http://consumers.creditwrench.com and you can also join in our regular Friday night conference calls and discuss your problems with our students.
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