Zen Habits is maintained by Leo Babauta. He “initial motivation was to share some things I've been learning, and to form a community of people to help each other achieve goals. Since then, I've discovered the amazing feedback of my readers, and that encourages me to keep doing what I do.

So I've read its not good for you to close your account, however just this month, so far I've been hit with almost 500 in bounce check fees. At what point does my bank shut me down.

Got up this morning to check my email. Had an alert from my bank. It was alerting me that I am overdrawn. I checked on-line. There was a $400 deduction from SHW Recovery on there. WTF??? I did a search on here for SHW Recovery and connected it with EastSide Lenders. Now, how in the hell (yes, I've read stories) did they get my information? This morning will be spent at the bank. I can't even type. Anyone heard of SHW? All I found was someone else had money taken out of their account by them and it was in regards to a loan with EastSide Lenders. I swear to God, I am sick.

I just read the article Top 10 Money Drains. They made some valid points there. Somehow I feel all these things are correlated. If you do not have any savings, chances are you will become indebted soon because savings help us fight unprecedented situations like accidents, health problems etc. And if you are already in debt, savings would help you become debt free sooner. Now, if you cannot identify the holes in your pocket, how can you go about repairing them?

I need help with my debt. Both my parents dont work because of disability so I have to pay for most of the expenses. I resently had my phone turned off and all the debt sites i have been on require a phone #. Do you know anyone who doesnt?

I have 3 credit card companies that I owe. I had informed each of them that I am not financially able to pay my bill at this time. I asked that they close my credit card accounts. They closed my account, but they keep adding charges each month. My orginial bill goes up each month. I was attempting to work out a plan to pay each of them from the amount I owed when I closed the accounts. How can I stop the harassing phone calls to me at home and at work. Also, they call my family repeatedly asking the same questions.

Here is my situation....... 1. EZ Money Loan--- $280.00-- loan interest $57.07 amount to payback $337.07 2. Advance America--- $400.00---finance charge $81.82 amount to payback $481.82 3. short term loan from lynn's check cashing called BAM FINANCIAL,LLC but also says Lenders Name: Mister Money Holdings, Inc.----$400.00---finance charge $83.07 amount to payback $483.07. Not sure what to do here just know that can't get out of debt with these people and have to keep renewing every 2 weeks and just can't keep doing that! Please tell me what to do. Christie

I am 50,000.00 in credit card debt i need help but, i have heard terrile story what would you do thanks

I have 29K in cc debt an having lost my job, I now have a reduced income and can no longer afford my payments. I am over 4 mths behind. All 6 accounts are in collection. Can you help?

Does anyone know how to find these 2 pdl companies? Thank you!