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Ask The Get Out of Debt Experts

I Bought a House and Slowly My Credit Has Been Getting Worse. – Sheila

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Sheila “Dear Steve, When I bought my house about 9 years ago, I underestimated the expenses that come along with home ownership and began living above my means. I began using my credit card more and more (paying for home services, car repairs, fees and living expenses). I accumulated more cards to “take advantage of” the no interest incentive periods, ... Read More »

I’m Stuck in South Africa With U.S. Debts. – Anthony

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Anthony “Dear Steve, American, forced to live in South Africa due to spouse not being recognized for immigration to the U.S. I was forced to make the very difficult decision of leaving my spouse who could not remain in America or leaving America to be with my spouse. I of course left America because who would leave their spouse just ... Read More »

I Attended Digipen Institute of Technology in Redmond, WA and Now I Can’t Pay the Bill. – Orion

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Orion “Dear Steve, I attended Digipen Institute of Technology in Redmond, WA, from 2001 through 2004. The school was not accredited at the time, so I had to take personal loans from Key Bank (the only bank in Digipen’s area who would loan to students attending Digiepn) to pay for living & college expenses. A few years after I graduated, ... Read More »

My Wife and I are Headed for Divorce. Am I Responsible for Her Debt? – Fred

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“Dear Steve, My wife and I are headed for divorce. She accumulated several credit card’s in her name only. Am I responsible for this debt? If and when she leaves, I would like to keep the house, but will struggle without her income. She has only been responsible for paying the utilities. My credit score is low around (544) with ... Read More »

I’m Being Sued by My Ex-Husband For a Debt in His Name. This Can’t Be Right! – Michelle

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Michelle “Dear Steve, My ex husband is stating he is sueing me for debt that is in his name that was stuck to me in the divorce. I have paid thousands of dollars just to pay a lawyer to represent me in a child custody battle over the past year and a half. He said my wages are going to ... Read More »

My Step-Father Cut My Mom Off and Now We Can’t Pay the Bills. – Alexandra

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Alexandra “Dear Steve, My mother and I live together (I support her). Based on an agreement with my step-father, he has paid my mother’s rent for the past 15 years. Unfortunately, due to a family dispute in January, he cut me off and stopped paying the rent, which left me scrambling to cover. Once my credit cards were late, most ... Read More »

I Thought My Student Loan Was Discharged in My Bankruptcy. Now They Say It Can’t Be and Want Their Money. – Joseph

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Joseph “Dear Steve, Filed BK in Cali June 2006. EDUCAP loan (student) was included in BK. EDUCAP claims that said loan is NOT dischargeable. I’m concerned that they are accurate. My original loan was for 18k (1800 went to them as a funding fee). I paid faithfully for about 6 months. My owed amount in default was 17,700 ish. In ... Read More »

I Have Sleep Apnea and Debt. What Should I Do? – Karen

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Karen “Dear Steve, I have been just getting by for the past few years and having to use my credit cards for most of the extras. My 12 year old son just moved in with his dad. I was getting 235.00 per week child support. Now I am supposed to pay 20.00 per week. My x says he does not ... Read More »

I’m Doing Debt Settlement and Getting Sued by Chase Bank. – Darlene

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Darlene “Dear Steve, My husband and I have a judgement against us from Chase for $5200. Our debt settlement company said they would answer the summons for us. The lawyer from Chase said they don’t work with debt settlement. We told them we didn’t have the money to pay (may be losing our home). The next thing we know we ... Read More »

I Fell for the Balance Transfer Gimmicks Offered by the Credit Card Companies. – Brad

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Brad “Dear Steve, My wife and I had our income reduced by $3,500 a month! I admit we overspent, and didnt save. I fell for the ‘balance transfer’ gimmicks offered by the credit card companies, and went head over heels in debt. I refinanced our home, that was almost paid off! Then they started raising rates, dropping limits, some even ... Read More »

We Have Three Mortgages Against Our House, Started Our Own Business, and Finding it Hard to Pay the Bills. – Arthur

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I apologize in advance for the short response. I am currently away on vacation with limited internet but wanted to give you an answer as soon as possible. Steve Arthur “Dear Steve, Upside down mortgage due to declining property values. Our income is down 50% due to the economy. We’ve tapped all our equity to try and hang in there, ... Read More »

I Moved Out of an Abusive Home But Now I’m in Over My Head in Bills. – Sarah

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I apologize in advance for the short response. I am currently away on vacation with limited internet but wanted to give you an answer as soon as possible. Steve “Dear Steve, I moved out of an abusive home in FL and a few states away to a VA: safe environment with friends and pseudo-family at the age of 19. I ... Read More »

I’m Drowning in Online and Local Payday Loans. I was Referred to Langhorne Debt Solutions. – Lacy

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I apologize in advance for the short response. I am currently away on vacation with limited internet but wanted to give you an answer as soon as possible. Steve Lacy “Dear Steve, Currently have $2100 in payday loans, 4 online and one in town local. Cannot get ahead, and in fact with losing some of my income a couple of ... Read More »

I am Upside Down in My Mortgage. A Loan Remodification Company is Offering to Help. – Danny

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I apologize in advance for the short response. I am currently away on vacation with limited internet but wanted to give you an answer as soon as possible. Steve “Dear Steve, I am upside down in a mortgage as most everyone else is. I owe 301,000 on a house that is wort about 200,000 according to the comps in the ... Read More »

We Are Making a Large Income but Can’t Get Out of Debt. – Tio

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I apologize in advance for the short response. I am currently away on vacation with limited internet but wanted to give you an answer as soon as possible. Steve Tio “Dear Steve, My husband and I are working professionals with a large income…however, we have some short term loans that will be paid off soon, so money will be freed ... Read More »

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