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Ask The Get Out of Debt Experts

I Received a Mailer From Payment Reduction Service and Core Pac Solutions to Modify My Mortgage. – Charles

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Charles “Dear Steve, My mortgage is upside down, I am one month behind, I cannot qualify for a re-finance given my credit score. I contacted my lender to see if I qualified for the federal loan modification plan (countrywide/BOA) and they indicated that they will contact me if they think I qualify-no word. I got an unsolicited mailer advtertising a ... Read More »

My Credit Card Company Treated Me Like Crap And Told Me to Go Bankrupt. – Marissa

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Marissa “Dear Steve, 3 1/2 yrs divorced, had stellar credit, (lowest score was 794) bought condo just before market peak and put $45k cash down, salary has continually decreased since by 10% total in addition to losing bonuses, paid expenses, and 401k, work hours also have shortened and are unpredictable. $10,000+ in assessments since house purchase, condo dues have more ... Read More »

Will Cashing Out My 403b Negatively Affect My Credit? – Luke

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Luke “Dear Steve, I have a great employer pension, a decent 401k, and a small 403b($7000). I am not worried about retirement. I tried several years ago to combine the 403b into the 401k and was told I could not do that. I have no credit card debt but ridiculous student loans and a car payment. This summer I have ... Read More »

I’ve Hidden My Debt From My Husband. I’m Afraid He is Going to Find Out. – Cheryl

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Cheryl “Dear Steve, Well me and my husband have been going through some hard times lately and I have been using my credit cards unbenounced to him just to get by. I have over the last year and a half racked up about 4000 in credit. I transferred all my credit cards to a 0% interest card for one year ... Read More »

I’m 19 With $30,000 in Debt and Preparing to Start College. – Elle

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Elle “Dear Steve, I’m 19 years hold i have a part-time job which they are cutting hours on,and im getting ready to start college in september im a little over 3000.000 dollars in debt. I just dont know what to do, any advice? Elle” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number ... Read More »

We Have Always Paid Our Bills On Time And I Don’t Want My Daughter to Suffer Now That We’ve Got Problems. – Kim

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Kim “Dear Steve, We have always paid our bills on time. We own our house. We are 85,000 in credit card debit. Both of our salaries have been cut. We have 2 kids and one of them rides horses. We pay about 800 a month on that and I can’t take that away from her. She makes all A’s, and ... Read More »

I’ve Got a Debt Situation. Can You Please Listen? – Noname

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Noname “Dear Steve, My situation now seems totally hopeless and I am facing homelessness I am not sure if I am asking a question (or questions) of you or just need you to read and listen, probably a little of both. I am a single/divorced women in her mid-fifties. I was divorced and raised my only child by myself, which ... Read More »

I’ve Been Working Since I Was 15 and Made All the Right Financial Moves But Now I’m in Big Trouble. – Marcia

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Marcia “Dear Steve, I have been working since the age of 15. Every decision I made as a young adult and onward was based on increasing my solvency. I grew up working class. My parents were an example of how not to wind up. I have a master’s degree and have been working successfully in the tech industry since 1984. ... Read More »

Our Monthly Payments Are More Than We Make. – Chelsey

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Chelsey “Dear Steve, My boyfriend and I pay more a month in payments than we make in a monthly income we have 2 credit cards maxed, one $1000, $8000. A 1890000 mortgage, which payments are $1200 a month. a $15 000 new vehicle, a $20 000 line of credit, $8000 student loan, and $3000 in small claim loans. My boyfriend ... Read More »

My Mother is Disabled and Bedridden in a Nursing Home and Chased by Debt Collectors. – Carolyn

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“Dear Steve, My mom is bedridden and disabled in a nursing home for over 5 years. The credit cards she left behind were notified of her phsycial and finaancial inability to pay these debts over 4 years ago. I was told by her lawyer to ignore all communication about her debts which I have done and now they have tracked ... Read More »

Mortgage Company Won’t Modify Loan Because it is an FHA. – Debora

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Debora “Dear Steve, In January I lost my job. My husbands hours were cut. We have fallen behind on all of our bills including our mortgage. I have tried to refinance so that we can save our house but our home value came back at less then what we owe so that was not an option. I am not looking ... Read More »

I Have Big Debt. I am From Guatemala. – Rebeca

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Rebeca “Dear Steve, I have big dept. I am from Guatemala. I make 9k a month and my husband has a small bussines which makes in profit around 1k. Im trying to cut all my expenses as low as possible. I have debt in credit cards as of today for 47k I am paying a little bit more than the ... Read More »

I Am a City of Houston, Texas Employee and Need to Repair My Credit so I can Build a House. – Jocelyn

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Jocelyn “Dear Steve, I am a 15 year City of Houston, Texas employee. My gross income is about $27,000 a year. We get no raises or cost-of-living adjustments. However, despite my low income I have managed to purchase a piece of property. Years ago I became ill with a form of cancer and ended up filling for bankruptcy. My credit ... Read More »

I’m Almost Drowned in Debts in India – Ram

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Ram “Dear Steve, This is Ram from India and i am almost drowned into the debts. My monthly earnings after my business and house expenses are Rs.25000(the max). I have debts to the extent of rs.30lacs of which rs.4lacs(against full surrender value of my insurance policies) and remaining rs.26lacs(in the form of overdrafts, personal loans and credit cards).I have nothing ... Read More »

What Do You Think of the CCCS company Money Management International? – Carol

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“Dear Steve, What do think of Money Management International? Are they the same company as CCCS? I have about 60,000 in debt and I need help my husband hasnt had a paycheck since Nov I did my own modification on my house back in Jan. I have no equity in my house they just lowered the payment and gave me ... Read More »

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