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Ask The Get Out of Debt Experts

Am I Wrong to Think Bankruptcy Should Be Our Last Resort. – Sarah

pregnant woman

“Dear Steve, 35,000 credit card debt spread across 7 cards with APRs ranging from 4% to 17%, $750 month mortgage payment, $800 month cc payment, $60,000 student loans on low-income repayment with $0 payment. Adjusted gross income $24,000, monthly take-home fluctuates between $2000 and $4000 , but usually on the lower range. My husband is self-employed. My husband and I ... Read More »

I Am So Frustrated With Oak View Law Group. – Mara

get out of debt

“Dear Steve, I signed up with Oak View Law Group (OVLG) in November as I had 7 short loans in the amount over $3,000. I live in New York State. I was trying to help my daughter when she lost her job last summer so I borrowed all this money. Unfortunately I was not able to pay the loans. When ... Read More »

I’ve Learned My Lesson About Borrowing From Payday Loans. – Hillary

black-hole narrow

“Dear Steve, I have several payday loans out and they are all due at once. I made arrangements to make payments on two of the loans but the other company wants the full amount. I want to find a legitimate payday loan consolidation company if possible or to get help figuring out the best way to pay off the debt ... Read More »

Our Bank Closed Our Account Without Any Notice. – Marcie

Combination lock detail

“Dear Steve, I’m behind a month and a half on my house payment. The bank is going to foreclose. The bank also closed our checking account without any notice. Can the bank just close our acount without notice? Is that legal? They are suppose to send our deposit to us in a certified check…but it’s been 6 days..and we have ... Read More »

Well Educated But Facing a Ticking Time Bomb of Debt. – Mike

time bomb

“Dear Steve, Husband & wife graduated from undergrad 15 years ago. Both graduated with Master’s degrees 2 years ago (to increase job opportunities). Both before and after Master’s Degrees husband did not have full-time employment (or full-time wages) and was unemployed for a significant amount of time (higher amounts were taken on student loans for master’s degrees to compensate). Wife ... Read More »

We Read Your Book Eliminate Your Debt Like a Pro But Have Questions. – Amber

eliminate-debt-cover

“Dear Steve, My husband and I sat down this weekend and figured up our debt vs income based on the guidelines outlined in your book Eliminate Debt Like A Pro. Our New Years resolution was to not spend on credit and we haven’t, but after reading your books I know we need to spend on credit what we can afford ... Read More »

I Feel Deceived by the Law Offices of Paul A. Herman. – Sue

big emergency exit

“Dear Steve, On January 28, 2013, I was contacted by telephone from a Nicholas Paul, who discussed with me concerning my outstanding debts owed on credit cards. I fee that I was high pressured in signing agreement forms to let this company represent me in eliminating these balances. So I was talked into signing up for installments twice monthly in ... Read More »

I Got Divorced and the Bank Won’t Take My Ex-Wife Off the Credit Card. – Dawson

broken piggybank with dollar notes

“Dear Steve, I was divorce about a year ago. Division of Debt in divorce I got card with approximately 18k on it after having to put house taxes of over 6k due to circumstances. Since the divorce I added another 6k in to the card. I had come to conclusion to stop that about same time got notification from card ... Read More »

Real Estate Law Center and Chad Pratt Say They Can Go After My Previous Lenders. – Jana

proceed slowly and carefully on the road

“Dear Steve, I received a mailer from Chad Pratt and while doing my homework, I saw some of your articles about him from other people, but I think this is a new scam. I already received my home loan modification through Nationstar Mortgage and when I told them that, the man I spoke with George Michaels (can you believe it? ... Read More »

Is Legal Solutions Debt Advocacy a Scam? – Sarah

qa7

“Dear Steve, Me and my husband have been struggling with bills for years and are trying to find a solution to the problem. We have modified our mortgage but each time we have it increases the monthly payment. We are looking for a way to get a cheaper monthly payment to help with the monthly bills/ stress. We recieved a ... Read More »

How Can I Make My Son Responsible for My AT&T Account? – Lorelyn

past due envelope

“Dear Steve, I opened an account with ATT over 10 years ago. I kept the account open after I switched to another carrier because my son had a second line on the account. For the last 5 years he has been maintaining the account. I was reviewing my credit report and came across a delinquent account with ATT for over ... Read More »

Grow Financial Credit Union Says They Are Holding My Car Title as Cross-Collateral. – Garrett

punched-in-face

“Dear Steve, I paid off my car with grow financial credit union in clearwater, Fl about three months ago. I have not rec’d a title and figure they are holding it as a cross collateralization clause somewhere in my paperwork. I defaulted on their cc due to the times. Can they reposses my paid up car??? What can I do ... Read More »

How Do I Get Out of Debt With Bad Credit? – Robert

Concept of daily routine

“Dear Steve, My wife and I have been trying for a long time to get out of debt. We are current on all the payments most of the time but nobody will give us a chance with a loan. We even tried Lending Club but they turned us down. We are working all the hours we can and still can’t ... Read More »

How Can I Stop the Sale of My House in Foreclosure? – Margaret

doctor-xray

“Dear Steve, I was the owner of a store (15years)and sub contracted a cab as a second job in 2012 i was in a car accident in dec.I broke both legs in the accident and I am still in the rehab facility, Allstate has yet to send any wage loss or chore reimbursement.my house of residence went in to forclosure ... Read More »

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 »

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