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Home > Author Archives: Mitch Goldstein

Author Archives: Mitch Goldstein

Mitch Goldstein

I’m on SSI. Should I Stop Paying My Bills to File Bankruptcy? – John

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“Dear Mitch, I am a 46 year old male. I am on SSI disability. After paying all my monthly bills I am only left with $50.00 for food, gas and prescriptions. The only things I own are a motorcycle and car. I do not have savings so I can not pay a attorney to file bankruptcy. My question is should ... Read More »

Discover Card Says They Will Sue Me. How Should I Handle This? – Catherine

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“Dear Mitch, I live in Florida & about 6 months ago I had to stop paying on several of my credit cards because of an increase in medical expenses for my partner. I just received a notice from discover card stating that unless I begin payments today on my balance ($2915.00), they will send my account to an attorney & ... Read More »

I Was Making Payments to American Express and They Are Now Threatening to Sue Me. – Gracie

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“Dear Mitch, My financial life is too horrible to go into, has been since 2001 and as a result, what once I could pay I now can’t. I had 2 American Express cards that I have been making good faith payments on each month and have been for some time. Now I’m being sued by American Express because of ‘failure ... Read More »

My Bankruptcy Attorney Says My Chapter 13 Payment Can’t Be Lowered. – Joseph

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“Dear Mitch, Currently In Chapt 13 status. The entire debt is 941 from a business that went under. My chapter 13 pay out is 50% of my salary. After I make my car payment and insurance and gas, I have less then $500 a month for food, rent utilities clothing etc. How in the world am I supposed to live? ... Read More »

A Collector is Chasing Me for An Old Account. I Already Filed Bankruptcy. – Shonaray

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“Dear Mitch, In 2006, I co-signed on a loan for my sister. I really didn’t want to do it but it helped keep her out of jail. Needless to say, a debt collection agency is after me now to repay the loan. I filed bankruptcy in April of this year and it was discharged at the end of August. When ... Read More »

I Signed a Contract With Lifeguard Financial and I’m Paying NoteWorld. – Cyndi

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“Dear Mitch, I signed a contract with lifeguard financial on August of 2009 and I have been making a payment of 637/mo to Noteworld. This month I still made a payment, I tried getting into my account at my.espda.com and its giving me an error, also I have tried contacting them via several phone numbers but no response, in fact, ... Read More »

Three Collection Agencies Are Trying to Collect on the Same Old Debt. – Michele

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“Dear Mitch, An old Washington Mutual account went to collection with a balance around $7k. When my situation improved I started paying the collection agency, and got about half of the debt paid off so the balance was a little over $3k. Unfortunately I had to stop payments again, and the collection agency sold the account. I haven’t paid on ... Read More »

Can I File Chapter 7 Bankruptcy and Get Rid of My Sallie Mae Student Loans? – Verka

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“Dear Mitch, I received sallie Mae student loans to go to school. After going to school, my disability became worse and I am now unemployable due to having seizures. There is a debt of over 20 thousand and my social security income of $720 a month. I have informed them multiple times of my situation and explained that I am ... Read More »

Do I Need to Be Worried About Getting Scammed by Hardship Center? – Tasia

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“Dear Mitch, I received this above email alone with a phone call and wanted to know if it was a scam or not, please advise. Don’t want to fall into a scam! “I spoke with you today regarding your situation. I look forward to assisting you in creating a long term solution for your mortgage. Attached is the prequalification package ... Read More »

I Want to Know if Debt Smart America is An Honest Company. – Alberto

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“Dear Mitch, In debt with American Express. I was paying every month an amount their consultants would instruct me to pay in order to keep my card active. One day they simply shut down my ability to use my card and demanded full payment. It was only at this point that I stoped making payment to American Express. I want ... Read More »

A Guy is Trying to Sell Me a Motorcycle But Can’t Find Out How to Get The Lien Released. – Gilbert

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“Dear Mitch, trying to purchase a motorcycle I am trying to buy a motorcycle that has a lien on it from Household Retail Services, the guy tells me they have been bought out, he tells me the bike is payed off, but he cant find out how to get the lien released, if i buy it without this being done ... Read More »

My Accounts Are in Collections and One is Suing Me. – Donna

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“Dear Mitch, have been unable to pay on cc debt for approx 12-13months due to family crisis and work loss combined with rising costs just to buy groceries and pay essentials(electric, etc.). At this point most are in collections, one is actually suing me. My medical bills take up a big chunk of my money and I dont know what ... Read More »

I’m a Disabled Air Force Veteran and Can’t Afford My Car. – Deborah

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“Dear Mitch, Used car. I started out July 2007 paying over 30% interest. Car is Mazda RX-8, 2004. I signed a contract for 7 years with some bank to pay $440.00 a month for 7 years. Now car payment is in collections since April or May of 2011. I’m retired disabled Air Force Veteran. I’m living on limited income now. ... Read More »

I Have a Lot of Credit Card Debt, a Repossession and a Judgment. – Eric

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“Dear Mitch, I have a lot of old credit card debt. Recently I had a repossession go to judgment in which I received a letter in the mail. I contacted the law firm but was not left felling comfortable.. They answered the phone by just saying “law office” , the person I spoke to seemed completely uniformed of anything. I ... Read More »

I’m in Law School But Considering Bankruptcy. – Jenni

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“Dear Mitch, I am 40 years old and work as a land development consultant. I don’t have to explain what has happened to land development in recent years. I used to make 63k/year with a 15-17k bonus every year. I now make $40k/year with no bonus. My husband’s small business has struggled and drained all my savings. I have 38k ... Read More »

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