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Ask The Get Out of Debt Experts

New Baby, Personal Debt, Business Debt and Need a Plan to Get Out of Debt. – Matt

couple working

“Dear Steve, I have personal debt and business debt. My wife and I both have leased cars. We are 28 years old, rent a condo, and have a storage unit. We just had a baby. She makes about 45,000 p/year and I make about 25,000 p/year. (my business isn’t doing well) My credit score is around 640 and my wife’s ... Read More »

Great Plains Lending Won’t Let Me Pay Them Back. – Patricia

Magnifying Glass - Q&A

“Dear Steve, Took a loan out with Great Plains Lending and lost job. Now I want to pay it back but they don’t have my name in their system. How do I pay it back? Was getting calls from collection agencies about it, but couldn’t pay it back then either. Contacted Great Plains to pay it back when I got ... Read More »

Does Barclaycard Sound Like a Reputable Bank? – Patti

credit good

“Dear Steve, You suggested a credit card for those needing to establish new credit (can’t think of the name now). it has a $29 annual fee, which is not surprising because they are trying to help you & themselves at the sametime. Anyway i just received an offer from barclaycard, preapproved to help those reestablish credit & with no annual ... Read More »

I Need Someone to Help Me Get My Financial Life on Track. – Sara

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, I am looking for a workshop or advisor to help get my finances straight. I have a poor credit history so i need advise in working through that in addition to rebuilding my credit. I have several retirement accounts from different jobs that I am not sure what to so with. Do I roll them all together or ... Read More »

I Got a Sort of High Pressure Call to Enroll With The Law Offices of Paul Herman. – Sue

IMG_5821

“Dear Steve, On January 28, 2013, I received a telephone call from a Nicholas Paul and his conversation was concerning my outstanding debts. He sort of used high pressure tactics to get me to enroll with a program with the Herman Law Firm to help negotiate terms with my creditors to clear my debts. However, later on upon further research ... Read More »

What is a Good Credit Counseling or Debt Settlement Company?

process

“Dear Steve, My husband and I used to have impeccable credit but now we just have to much credit. We are overextended and hardly have money left over after bills are paid. Our credit scores have suffered as a result and getting a consolidation loan might not be a viable option. We have a plan to sell our house within ... Read More »

Reader Got Mailer from US Mortgage Corporation That Led to Consult America

Rejected stamp

“Dear Steve, I received a letter in the mail from US Mortgage Corporation regarding refinancing my house. I called them and a gentleman took my intial information then said that one of there loan specialists would call me which he did. When I spoke to the specialist he asked some of the same questions as the first guy then he ... Read More »

How Can I Get Morgan Drexen to Delay My Payment? – Ursula

flying girl

“Dear Steve, I am a current participant of Morgan Drexen for less than 4 months and to date, I have not had any real concerns. My only problem is that my gas & electric bill has been very large since November and I had to make a huge sacrifice financially. I did ask for payments to be reduced because I ... Read More »

My Life is on Hold Because of My Student Loan Debt. – Sandy

help woman

“Dear Steve, Deep in student loan debt ~ Approaching $300,000 ( I cannot go and look at the exact total as it will freak me out) The federal ones are manageable $136/month AES $95 a month (been paying over 3 years and it has barely made a dent in the loan payoff total) Sallie Mae – $1170 a month, and ... Read More »

How Do You Explain What Premier National Credit Repair Did to My Credit? – Debra

sassy girl

“Dear Steve, I used premier national credit repair and this company did exactly what they promised. My credit score was raised by 124 points and they did get off many negative reports from my credit score. I read through your entire article and you talk about ‘it only takes time’. the company premier national credit repair was able to get ... Read More »

Should I Drain My Savings to Payoff My Student Loans? – Sean

Big Scam Dog

“Dear Steve, Currently have 4 outstanding debts: Student Loan: $6,549.39 3.5% – making monthly payments of $827.25 Student Loan: $3,721.63 3.0% – making monthly payments of $537.00 Student Loan: $2,749.59 4.875% – making monthly payments of $399.23 Car Note: $5,136.86 1.9% – making monthly payments of $647.85 Current savings: $39,000…~$55,000 in 401k No other credit card debts or obligations Salary ... Read More »

I’m Getting Out of the Army and Can’t Afford My Truck Payment. – Mark

qa7

“Dear Steve, I am getting out of the army soon and can no longer afford my truck payment. I called my lender located in texas and they said I would be brought down on criminal charges if I didn’t continue to pay or bring the vehicle back to them. They refuse to repo and demand I bring the vehicle back ... Read More »

Navy Federal Credit Union is Abusing Me. – Maurice

terrifying man

“Dear Steve, 15,631.60 unsecured loan with navy federal. I offered them 7000.00 to settle but havent heard anything back. what can I do to get them to settle? $7000 is all I have and Im willing to give them every penny. the interest rate is 16%. and I have been paying on the loan since 2007 it was intially 17,000. ... Read More »

My Boss is a Bully and I Can’t Take It Anymore. – Sherry

Women fighting

“Dear Steve, I just stumbled upon your site. THANK YOU for this empowering information. I’m in a tough situation. I have been employed for the past 13 years at my company and am at the top of the pay scale for my position. I’ve got a lot of credit card and personal loan debt (36,000 all together) that I planned ... Read More »

My Deferred Student Loans Show Up as Bad Marks on My Credit Report. – Crystal

mysterious

“Dear Steve, Four student loan accounts are coming up as negative on my credit report. - They are deferred until 06/2014 - They show no amount past due - They show no “Date Major Delinquency First Reported” - Under “Date of First Delinquency: N/A - Two were opened on 6/15/2005 - Two were opened on 3/10/2006 - Under the 81 ... Read More »

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