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Bankruptcy Related

I Was Able to Negotiate a Debt Settlement With Discover I Can’t Afford. – Frances


“Dear Steve, I have credit card debt with Discover. I tried to negotiate with them. Debt is $5k due to interest rate and late payment. I would like to settle, but I cannot afford to pay a lump sum of $3600. This is a huge learning lesson. I was told I cannot file for bankruptcy. I asked the cc company ... Read More »

Do I Need Good Credit to Get a Top Secret Clearance? Can I Get a Security Clearance if I Go Bankrupt? – Alex


“Dear Steve, Hello Steve. I appreciate the advice that you provide us with (=: I’m 27 years old, naturalized citizen (born in Russia). Currently in the Army National Guard (Intelligence). My chain of command hasn’t filed clearance paperwork yet because they’re waiting for me to resolve my $25000 unsecured credit card debt (including 1 personal loan). I’ve accumulated this debt ... Read More »

We Are So Stressed. How Do We Get Out From Under This Mountain of Debt? – Mary


“Dear Steve, My husband and I are in deep financial crisis right now. We renewed our flat recently but we still have an outstanding balance of $2500. Then I haven’t paid my credit cards for the past couple of months which now amounted to around $15000. I still have another outstanding loan where the collection company wanted me to pay ... Read More »

Can I File Chapter 13 Bankruptcy Again? – Maria


“Dear Steve, I filed chapter 13 two years ago but stopped making my payments. My case was dismissed after I failed to make the payments to the trustee. I want to file again but my debts were given to a collection agency. Can I still file chapter 13 Maria” Don’t miss our free Get Out of Debt – “How To” ... Read More »

Is the Debt Relief Program By Dr. Robert Manning and Hope Financial USA, Legit? – Vicki

“Dear Steve, I am very in debt, a little under $40K. I was out of work last year for over 6 months. I purchased my town home in 10/08 for 163K, at 6.9%. I refinanced May09 at 5% but I had to roll in the finance charges (getting back my escrow to help living expenses) and my new mortgage is ... Read More »

Can I Keep Some of My Credit Cards Out of Bankruptcy? – Jessy


“Dear Steve, I have about $50k consumer debt spanned over 3 credit cards; As per a previous advice from you – as a response to a detailed email of my situation – I am very strongly considering bankruptcy and already contacted an attorney and started collecting the forms (tax return, bills etc) I would need. My question is this: the ... Read More »

How Will Chapter 13 Bankruptcy Help Us if We Can’t Afford the Payment? – Michele


“Dear Steve, We have equity in our home, more then what is owed in unsecured debt. We are considering filing Chapter 13 bankruptcy but can not aford the estimated trustee payment of $2700. If we file we will be unable to pay our monthly expenses and the trustee, combined are near $8700. The debt is 160,000 and the equity is ... Read More »

Can They Come After My Husband for My Debt in My Name? – Lauri


“Dear Steve, i have significant credit card debt and only make $100/wk as a part-time employee. My husband just lost his job, he has been the primary source of income for our family for the past eight years; his income ranged from 75-100K/year. All the credit cards are in MY NAME only. The house we live in is in my ... Read More »

I’m Scared the Bankruptcy Trustee Won’t Let My Bankruptcy Go Through. – Lynn


“Dear Steve, Steve, I am almost at the sixty day point in my bankruptcy. I am worried it won’t result in a discharge. I qualified for a chapter 7, but the trustee was harsh with me, I think because I got here because of poor choices. I am so sorry I messed up my life it hurts bad. I call ... Read More »

Suze Orman Suggested I Contact Advantage CCS. – Justine


“Dear Steve, I am married 20 years with 2 teenage children.We have always lived paycheck-to-paycheck. We have never had a savings account with an “emergency fund”.Our income was cut in half when my husband was forced to take an unpaid leave of absence from work from the end of June to mid September then lost his job all together from ... Read More »

I’m an Older Divorced Woman Who Has Not Been Good With Money. – Valerie


“Dear Steve, I am an older divorced woman in her 50′s who has not been good with money. Now I am caught in the Recession, having lost 3 jobs in 15 months. I finally have a good job/career on the horizon (mid-March of this year), but feel I have made many money mistakes and have filed bankruptcy 3 times before ... Read More »

My Husband is Now on Depression Medication and Ready to Deal With Our Money Problems. – Donna


“Dear Steve, My husband took over our bills several years ago. During that time he became depressed. To make a long story short, he is now on depression medication and ready to deal with these problems and they are big. We owe about 80,000 including student loans. We refi the house 2 years ago and it didn’t include the taxes. ... Read More »

I Was Looking at The Debt Answer Instead of Impact Debt Relief for Debt Settlement. – Oscar


“Steve, I have unsecured debt of about $20,500.00 and have been looking at debt relief via a debt settlement company. I’ve been doing some online research on a few companies and I’d like to get your opinion on the company The Debt Answer. I read your review on Impact Relief and it just keeps getting worse for this option. Is ... Read More »

Is It In My Best Interest to File Bankruptcy at This Point? – Eileen


“Dear Steve, I currently am financially strapped due to not getting child support over a year ago. I have been trying to find full time employment but that is not easy and my credit cards are getting behind because I only have so such money to pay on them plus household expenses. I contacted a debt settlement company but the ... Read More »

Someone Said $50,000 is Not Enough Debt for Bankruptcy. – Michelle


“Dear Steve, We are keeping up to date on our credit card minimums barely. We have regular income, but now all of our minimums have increased with the new regulations. We have about $50,000 in credit card debt and we make about $65,000 a year. We used our tax check on some bills but are not even making a dent ... Read More »

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