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Ask The Get Out of Debt Experts

Can I Get a New Credit Card While in My Chapter 13 Bankruptcy. – Rich

Woman Whispers a Secret

“Dear Steve, I am paying regularly on a Chap 13 plan and I’m about 2 years in out of 5. I have always been on time with this payment, my mortgages and cars. I have no other outstanding debts. I did accept a very low limit credit card just to use and then pay off every month. How do you ... Read More »

    How Can I Get the Credit Union to Lower Our Payments? – Krystyna

    stressed-woman

    “Dear Steve, My husband is the only bread winner in a family. We are both older and we have 3 young teenagers. I am 54 and he is 59. Our son is a junior in High school and our twin girls are 14 and still in middle school. We have about 22 thousand in credit card dead with credit union ... Read More »

      Can I Eliminate My Sallie Mae and Citibank Student Loans With Bankruptcy? – Kassandra

      money down the drain

      “Dear Steve, Situation * I have a Sallie Student Loan for 58577.75 and a Citibank Student Loan for 30960.30. I am a 26 year old female and my income doesn’t even cover my living cost. I live at home with my parents, still. My monthly payments are 622.68 and 297.20, respectively. That’s 919.88 per month. With both loans being deferred ... Read More »

        Is Star Loan Services Legit or a Scam?

        It's all very odd.

        “Dear Steve, I’ve got more money going out then I have coming in. I am behind on several credit card accounts and I can no longer afford to pay everything due. I can’t get a consolidation loan because I have to high debt to income ratio. I have thought about filing bankruptcy but there are certain things I wouldn’t want ... Read More »

          Should I Cancel With Persels & Associates? I Could Just Cry. – Ruth

          hug

          “Dear Steve, Husband and I have been in credit card debt for several years. We are in our mid 30s, have a 15 yr. mortgage, and 10k tax debt. I feel covered up. I don’t want to have a child because of all the debt. I want to see the light at the end of this dark tunnel. We joined ... Read More »

            I’m Losing Sleep Over Debt Collector Threats. – David

            don't give up

            “Dear Steve, On April 10,2013 My wife got a call from someone with a forgin accent who told her that they have criminal papers with my name on them breach of contract/fraud for a payday loan that I supposed to have taken out sometime in 2008, I have not got any paper work on this I don’t know where the ... Read More »

              What is a SCN and Can I Really Legally Use it to Get New Credit? – Denise

              terrifying man

              “Dear Steve, Received an email from someone telling me that they can help me establish new credit using SCN. What is a SCN? They said it was legal and I am wondering why I have not heard of it before. Why can these people get one and I can not if they are legal? Why do I have to pay ... Read More »

                Is Student Loan Relief a Legitimate Company to Help Me With My Student Loans? – Andrew

                hiding narrow

                “Dear Steve, My wife has defaulted on a student loan (federal). We just received a first call from a collection agency. (Performant Recovery Inc.) They stated we have 48 hours to supply them with all bank statements for 2012 and fill out a very personal form. We are not making enough money to pay this off. We have two children ... Read More »

                  Why Did Sallie Mae Stop Garnishing My Wages? – Misty

                  gears

                  “Dear Steve, I owe Sallie Mae around $35,000 in loans. They sent a garnishment letter to my employer for around $5,000. After garnishing my wages for almost two years and taking a full tax refund and most of the next year’s refund, they got the amount they were wanting. The garnishment is no longer being taken out of my check. ... Read More »

                    I’ve Heard I Can Discharge My Private Student Loans in Bankruptcy. Is That Rue? – Jennifer

                    calculator

                    “Dear Steve, I have about $13,000 in credit card debt (minimum payments of $150 total), $17,000 left of my car loan (which I’m current on my monthly pmts – $465/month), and a total of $180,000 in student loans, of which $72,000 is federal (which I’m currently on Income Based Plan of $30/month – they at least work with you) and ... Read More »

                      I’m Only Going to Live on Cash and I Don’t Care About My Credit Score. – Lee

                      Debt is a scrape, not a mortal wound.

                      “Dear Steve, If I had the money to settle ,then why would I not just pay the debt? Seems to me it would have a two fold effect 1 would not have to deal with those damn phone calls. 2 would not need to worry about credit score. I don’t worry about anyway, cause I do not plan on buying ... Read More »

                        Is The Advocacy for Consumer Rights and Chad Pratt a Scam? – Will

                        Screen Shot 2013-04-11 at 11.11.14 AM

                        Notice (9-24-2013) – On 9-23-2013 I was served with a lawsuit from The Advocacy for Consumer Rights, which you can read here. They mention this article in the suit and claim “Defendant posted false statements on the internet, at http://getoutofdebt.org/51516/is-the-advocacy-for-consumer-rights-and-chad-pratt-a-scam-will, stating that “IS THE ADOVACY OF CONSUMER RIGHTS AND CHAD PRATT A SCAM?” stating that it is “odd” that TAFCR ... Read More »

                          How Can Debt Validation of America Just Steal My Money? – Shelia

                          Big Bad Burglar

                          “Dear Steve, I started with My Choice Debt Management in 2009, that turned into Debt Validation of America shortly thereafter and later it hired THE FIRM PLLC to do their legal work after they realized they were not operating legally. I paid $1471/month in to an escrow account for 2 years for a total of $35,325 total (of course a ... Read More »

                            Comcast Claims We Didn’t Return a Cable Box Six Years Ago. Now What? – Sheryl

                            pain

                            “Dear Steve, I was a comcast customer Years ago. I returned all of my gear and i just received a bill for almost $1100. They are saying that I did not turn in my gear. Remote Control and Cable Box. It has been almost 6 years since I canceled my service with them. This is crazy. It is going to ... Read More »

                              My No Good Ex-Husband is in Jail But Forged My Name to Loans. – Amber

                              mans hands behind bars in jail or prison

                              “Dear Steve, My husband and I recently divorced, and I was able to keep the house. While we were married, we got a joint credit card, and also shared a bank account. I was eager to build good credit since I had filed bankruptcy just a couple years before. Unfortunately, my ex-husband had severe substance abuse problems he was able ... Read More »

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