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Ask The Get Out of Debt Experts

Is It True My Creditor Might Take Less Than The Full Balance as Payment in Full? – Larry

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“Dear Steve, I have credit card debt, can afford more than the minimum payments but not the entire balance. Is there truth to the fact that issuers will accept a lower amount as a balance payoff? And is there any formula to this? e.g., would Chase take 2k in one payment to settle a 5k balance that’s been on time ... Read More »

Should We Stop Paying Our Mortgage. We Are So Stressed. – Beth

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“Dear Steve, A little over a year ago my husband lost his job. He got a new job two hours from our home. We were approved for and bought a home in the new town with the idea that we would be able to sell our first home. Of course, at that time, the economy took a total dive and ... Read More »

We Got Scammed By a Company That Promised to Eliminate Our Debt. – Sdmom

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“Dear Steve, We got scammed and now we are in deep trouble with debt. We used a company that promised to help us eliminate our debt. We paid them double digit thousands of dollars for their help and now they do not exist. They told us to stop paying out debt and gave us tips on going to court. We ... Read More »

Can a Collection Company Charge Us For a Letter Saying We Paid? – Meyam

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“Dear Steve, My husband and I are saddled with credit card debts including unpaid utilities from 3 foreclosed properties. We are looking to rent in an income restricted community which is the only one we can afford. However, to qualify, we were told to pay off our utilities as the first step to clear our credit. We called one of ... Read More »

If We Stop Paying Our Credit Cards Will it Affect Applying for a Loan Modification? – Wong

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“Dear Steve, My husband and I owned a small business, the harsh economy has make our income lower than we expected. We purchased our house 4 years ago, the value has gone down a bit but I don;t think we are up-side-down on our mortage. Our credit used to be really good but because we have maxed out all the ... Read More »

My Father Passed Away. Is My Mother Responsible For His Credit Card Debt? – Richard

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“Dear Steve, My father passed away with credit card debt. In the state of Texas is my mom responsible for the creit card debt. She ws not a co applicant on the card. She was only a autorized user.It is going to be hard for her to make since she was a stay at home wife.All she has is a ... Read More »

They Are Coming to Take My Husbands Car Today. – Renee

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“Dear Steve, My husbands car, that is in his name is about to get repossessed. Like today. There is nothing we can do about it, we simply cannot pay for it. There is no option- either eat or pay that car payment. He got it before he was married and before we had a baby. So when they repossess it ... Read More »

We Are Drowning in Debt And Can’t Take Another Collection Call. – Shannon

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“Dear Steve, We are drowning in debt. Our son needed braces, our house needed repairs, our credit cards and loans are out of control. We have recently refinanced our house. My husband is facing a layoff in the next couple months. We are having difficulty making the monthly minimum payments. Our debt including our mortgage is about $160,000.00. How do ... Read More »

How Do I File Bankruptcy When My Spouse Refuses to Cooperate. – Cole

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“Dear Steve, I have a lot of debt built up from trying to save my house and lack of income when the real estate went sour ( I was a real estate agent). Needless to say, I spent more trying to keep my business going than my husband approved of and as a result put us in a world of ... Read More »

Was My Wells Fargo Private Student Loan Really Discharged in My Bankruptcy? – Linda

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“Dear Steve, In 2007, I filed Ch 7 bankruptcy and I was told my private student loan w/ Wells Fargo was not discharged. Move ahead to Sept 2009. I was served papers from a local debt collection lawyer in CO about collecting this debt. I negotiated a settlement and am awaiting to see the final paperwork concerning the settlement prior ... Read More »

How Do I Pay For Bankruptcy? – Justin

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“Dear Steve, Hi Steve, Ive been to my second lawyer yesterday to seek advice on doing bankruptcy. He was very informative and knew his stuff. He suggested a chapter 13 that would leave me with everything and possible payments of $100 a month or less for 3 yrs. I could get rid of my now $67k in credit card debt ... Read More »

Home Inspection People Want Us to Pay For Services After Our Real Estate Agent Died. – Ella

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“Dear Steve, We tried to sell our house 2 years ago, agent agreed to pay for virtual tour, carpet cleaning and home inspection. The house didn’t sell and our real estate agent died months later from heart attack. Now home inspection company wants us to pay for the service done then. I think they couldn’t find the agent to pay ... Read More »

I Just Started Working With Take Charge America But Chase is Suing Me. – Mae

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“Dear Steve, Just received a summons from Chase to sue me for a debt that I owed. I notified them on last week about a hardship program that I just recently joined. I am unemployed. TakeCharge America has combined all my debts and will be making one payment from the unemployment benefits that I received. I will answer this court ... Read More »

We’ve Talked to Two Bankruptcy Attorneys But What Do We Do Next? – Brittany

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“Hi Steve, I have talked to two different bankruptcy lawyers about my situation. I would love your advice. My husband makes around 1200 biweekly and I am a server that is not doing so well in this economy. I have gone from making at least 100 a night to maybe 30-75 sometimes 0. My finances are a mess and I ... Read More »

How Do We Deal With My 78 Year Old Mother and Her Chase Credit Card Debt? – Christi

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“Dear Steve, My mother is 78 years old and has one major credit card with Chase current balance is $16,575.00 . Mom is the only person on the account as our father passed away 25 years ago. Mom has lived with me for the past 10 years. Her only income is her social security each month. She always pays the ... Read More »

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