Déjà vu

In the past six years, I have answered more than 30,000 individual consumer questions asked to MMI’s Advice Team. Actually, it might be more accurate to say that I have answered the same 10 questions 3,000 times each.

I experienced déjà vu when I opened Advice Team emails this morning. Here are some of the questions people are asking today:

-I got a foreclosure notice—what happens now?
-What do I do with a truck I can’t pay for anymore?
-My husband’s salary has been cut, how can I pay our debts?
-How will bankruptcy affect my career?
-Am I liable for my wife’s credit card debt?
-How much of my paycheck can be garnished by a creditor?
-What is the best way to repair my credit?

While I find it very satisfying to help consumers in trouble, I can’t help but wish that they would have written much sooner with questions like “how can I save for emergencies?” or “what is the proper way to use credit?”

If you have a question (proactive or reactive!) for the Advice Team, please don’t hesitate to ask.

Kim McGrigg is the former Manager of Community and Media Relations for MMI.