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Ask The Get Out of Debt Experts

Is Real Estate Law Center in Pasadena, CA a Scam? – Roland

Bank

“Dear Steve, Is real estate law center in Pasadena Ca a scam? I want info on a case that they have won, but can’t give me any info. They want me to pay money up front. They do not sound like a “real” company.Do you have any info on these people if they are legit? They said that I would ... Read More »

My Credit Score is Stagnant After My Bankruptcy. – Lynn

Searching-right

“Dear Steve, I discharged my debt in 2010, opened a few charge cards to build my credit. Have been doing all the right things. On time payments, debt on cards never over 30%, paid my car off and my Fico score stays the same. 686 for a year now. Before bankruptcy my score was 750-790. What is going on? I ... Read More »

My Debt Relief Company Vanished and I Want My Escrow Money Back. – Julie

Where did my debt relief company go?

“Dear Steve, I cannot get in touch with my debt relief company. I have 1900.00 built up in my escrow with my debt relief co. I have tried to get in touch with them, for status updates, with no response. The numbers are disconnected and I get no response when I mailed a letter to the address. should I stop ... Read More »

I Enrolled With Freedom Debt Relief and Now I’m Thinking About National Debt Relief. – Marty

stolen idea

“Dear Steve, Unfortunately, we have been spending more than I bring home. Instead of directly dealing with this, I took out cash advances on my credit cards. Then, I took out a personal loan to pay them off. Unfortunately, the same situation arose and then I took out cash advances on my credit cards, followed by a personal line of ... Read More »

Retired Couple Takes Out Loans With Payments Twice Their Income

Modern business concept

“Dear Steve, My wife and I are retired with a fixed income of just under $3000 a month. Over the last few months, we’ve had to take out loans at several, high interest businesses. Now, our payments are twice our income. We have a small place, (mobile home and storage bldgs.) valued at about $20,000, which is free and clear. ... Read More »

I Am Terrified I May Have to Pay Taxes on My Forgiven Student Loan Debt. – Elizabeth

worry

“Dear Steve, I am 27 years old and have a Master’s Degree in Social Work. All of my loans are government loans (no private loans). I accrued all of my debt (approximately $89,000) in graduate school. As a social worker, I do not make much per year and have consolidated my loans and am on the income-based repayment plan, paying ... Read More »

I Filed Bankruptcy But Still Owe the IRS. – Wanda

Magnifying Glass - Q&A

“Dear Jim, I was audited by its in 2006. It was because the tax preparer was listing me as single when I was filing head of household I am married but my husband worked seasonal. The irs sent me a letter stating I owed them $12,000. So they took my taxes. I filed for bankruptcy I told my lawyer that ... Read More »

I Was Turned Down by Lending Club and Prosper for a Debt Consolidation Loan. – Brian

national_distribution_of_fico_scores

“Dear Steve, I applied at LendingClub.com and at Prosper.com for a loan to consolidate my debt. I was declined at both. I have been trying to find a solution to consolidate my debt and eventually eliminate it. No places simply want to provide a loan. My credit score is good (690 ish). What other steps should I take to consolidate ... Read More »

Can Bank of America Really Give My Mortgage to the Blood Suckers at Green Tree? – Mike

Cosplayers at San Diego Comic Con 2009

“Dear Steve, I applied for a loan modification with Bank of America that took almost a year to finally finish. They did not do very much but extend my 30 yr mortgage to 40 years at 5% and quite frankly did not bring my payment down by much. PLus even with a “Quick Deed” signed and divorce papers B of ... Read More »

My Private Student Loans Have Been Bought and Sold So Many Times. – Alex

radar

“Dear Steve, I make 15 hr and I have about $150,000 in private student loans and $50,000 in Federal loans. My federal loan payment right now is $32 a month which doesn’t cover the interest but it’s really all I can pay now. I have defaulted on all the private loans since they offered me no reasonable solution or payment ... Read More »

Will American Express Settle With Legal Helpers Debt Resolution? – Dave

boxer

“Dear Steve, Signed up almost 3 yrs ago with Legal Helpers Debt Resolution. Almost at the end of 3 yr contract. Started with 5 CC accounts. Now only 2 left. LHDR negotiated 3 (2 to go). I still have 2 CC debts to settle. One is for 13K (they have not been agressive and have not taken any legal steps ... Read More »

Why Did Check ‘n Go Lend Me So Much Money? – Christian

gears

“Dear Steve, I borrowed $2500 from check n’ go as an unsecured installment loan in Ohio. I have to pay back $370 every two weeks for 6 months. My gross income is $1400. First question is, how the heck did they loan me that amount based on my meager income? Can I get out of it somehow because they knew ... Read More »

Advanced Professional Network Has Left Me With a Bad Feeling. – Anna

Screen Shot 2013-05-30 at 1.05.50 PM

“Dear Steve, I am delinquent in my mortgage and am having trouble making payments. I have signed up with a company called Advanced Professional Network who have put me in a loan modification dropping my mortgage payment about $400. I was so relieved that someone was helping….but now I’m second guessing and have a bad feeling about this company. The ... Read More »

I Don’t Want to Ruin My Credit for 10 Years and File Bankruptcy. – Mary

Decision time

“Dear Steve, 40K in cc debt…been in collections for at least a year with a recent summons from Discover. Have been unemployed off and on, trying to find full time work for approx. 6 yrs and just landed a ft job at $14/hour. Working per diem jobs as well. Really don’t want to do BK..I like my bank and the ... Read More »

I Had Cancer, Lost My Job and Filed Bankruptcy. I’m Sinking Again. – Deborah

adding up

“Dear Steve, Around 2000 I tried a debt consolidation company years ago and they took my money. So I had to file bankruptcy. Well I got Cancer. Then I lost my job in 2009 and did not find another for over 2 years. I have had to use a lot of credit cards for medical and to live on. I ... Read More »

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