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Ask The Get Out of Debt Experts

I Signed Up With World Law Group But The Estimates Make Me Nervous. – John

justball-144x125

My wife and I currently owe about $27k in revolving debt, and she has recently lost her job and I am getting hours cut at my employment. We realized that we were living paycheck to paycheck and that we needed to do something quick. I was approached by World Law Group and signed up with them just recently. I read ... Read More »

    My mum recently added my name to her account in the UK, does this make her liable for my debts? – Ella

    justball-144x125

    My mum has been in hospital and has requested my name to be added to her account so I can pay her bills, I am being advised on taking out an IVA will this put my mums money at risk – should I get my name removed? Ella Read More »

      I was widowed and left with small children and big debts. – Luen

      justball-144x125

      My husband died and I borrowed against the family home. My son was terminally ill, i had a 12 month old as well so couldn’t work. The bank forclosed, sold the house and couldn’t get all that was owed. It turned out I only owned a third share as husband died intestate. I recieved one letter stating I owed the ... Read More »

        My wife is mexican, she left me with a credit card debt of 18000, she is now in mexico? is there a way to make her responsible for what she owes?

        justball-144x125

        We got married on 2001, I am legal in USA, but she was not, the thing is that as long as you have a job you can get credit, that is what she did, now she went back to mexico and left me with that huge debt, do I have to respond for that? is there a way to track ... Read More »

          I’ve Been Middle Management in Restaurant Business and Now Manager of a Pharmacy. Future Looks Grim at 61. – John

          justball-144x125

          I am 61 years old, and have been in the restuarant business for the past 27 years. Always middle management and therefore no retirement, no 401′s etc. We have 3 daughters and have paid for most of their college education and 3 weddings, at this point in our lives I am concerned about our debt. We have one car. Approx. ... Read More »

            Can I Sue My Finance Company for Wrongful Repossession? – Angela

            justball-144x125

            I live in California ans my car was recently reposessed. I want to know if I can take the finance company to small claims court and sue for money lost, etc. I was 1 month behind on my payment. I made a payment arrangement to have my finance company take the past due amount out of my bank account on ... Read More »

              I’m Disabled With a Previous Failed Attempt at Debt Consolidation. – Craig

              justball-144x125

              Credit card debt from school expenses, medical expenses and regular purchases… Hi… I owe roughly $25,000 on 2 credit cards and have a school loan also being paid out on. I make ok money but I struggle to make extra payments towards the credit cards. One of the CCs is closed from a previous failed attempt at debt consolidation. My ... Read More »

                Pawned Jewelry to Make My Mortgage Payments And Can’t Keep Up With Payday Loan Payments. – Pete

                justball-144x125

                Income: $116K + most years a 15% bonus Home: Owe $300K and probably worth $280K, bought in 2009 for $315K with FHA 5% mortgage, $2750/month Debt: $90K + $23K aginst my 401K No savings except for $54K in my 401K Total payments every month are greater than my take home pay and I have run out of savings. Trying to ... Read More »

                  Disputing 5 year old charge off that is not mine. – Melanie

                  justball-144x125

                  I recently disputed two credit cards that were charged off in 2006 because these are not my accounts. I never signed anything that said that I was responsible for these accounts. I received my Experian dispute results and the accounts were “processed”. I reviewed the updated report and both accounts came back as updated. What should I do now? Should ... Read More »

                    IBR Medical Student or Teacher Qualification Questions. – Melody

                    justball-144x125

                    Hi I’m currently a medical student who is thinking about changing careers and going into teaching. I also have over $200,000 in debt and I know I won’t be able to pay that back easily with a teacher’s salary. I looked into the new loan program that Obama has set out. It looks like I would qualify for IBR on ... Read More »

                      What are the chances of Toyota Financial negotiating the ‘REINSTATEMENT’ amount? – Crystal

                      justball-144x125

                      I regretfully made the mistake of not communicating with Toyota Financial and confessing to my change in my financial situation, due to being laid off from my job. So of course the dreadful results of Repossession took place… The combination of losing your job and getting your car repossessed is beyond stressful, Toyota Financial repossess the car, sends me the ... Read More »

                        Statue of Limitation for Louisiana – Clara

                        justball-144x125

                        I have past due accounts, not credt card accounts, I believe they are contract accounts I would like to know what are my options? What is the statue of limitation for Georgia? What is the Statue for Louisiana? The past due accounts were when I lived in Georgia but I have relocated to Louisiana. Thanks, Clara P.S. Have a wonderful ... Read More »

                          Medical Bills Led to Unemployment and Now Fighting About Money. – Cathie

                          justball-144x125

                          In 2007, I had a good job, as did my husband, and we were making about $80,000+ a year. Everything was good and we had credit cards that we paid off regularly, bought a car because mine blew up, basically we made all our mortgage, credit, car and other payments on time. Then, in 2008, I ended up with a ... Read More »

                            What Are the Options for Timeshare Owners Who Want Out? – Hollis

                            justball-144x125

                            I own a timeshare that I wish I didn’t own. I paid about $12000 cash for it – no debt – and have kept current on my quarterly maintenance payments of about $160. Without going into too much personal detail, the problem is – I’m probably never going to use it. And there are thousands of happy fools just like ... Read More »

                              Tulane University Says I Owe Them a Lot of Money. – Zach

                              justball-144x125

                              I attended Tulane University and a lawyer recently contacted me on their behalf stating that i owe them 13k plus the 4k in lawyers fees that they needed to hire him. I called the lawyer and he asked me what i could realistically pay and i said 400 down and 150 a month, they then told me that they want ... Read More »

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