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Ask The Get Out of Debt Experts

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 »

I Made an Agreement to Pay and then Stopped to Show Them I Was Mad. – Gasper

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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 Gasper “Dear Steve, I currently owe $2600 on a credit card, which over $800 of it was fees from over a year ago. i went on a payment plan where i ... Read More »

My Second Mortgage Loan Was Charged Off. Do I Need to Worry About It? – Michelle

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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 Michelle “Dear Steve, I have a 1st and 2nd on my home. The first loan with Chase is 315K and was modified from 7.25 to 4.25. I have since lost my ... Read More »

I am an Authorized User on a Credit Card. Can I Consolidate These Debts? – Mary

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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 filed bankruptcy 8 years ago so when I started to re-establish my credit, I did so by being an “authorized user” on my spouses credit cards. The credit ... Read More »

I Can’t Pay My Australian Mobile Phone Bill. – Wish

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Wish “Dear Steve, I am an international student studying in Melbourne. When i came here 6 months ago i had signed up for a $49 Cap contract for 24 months offered by a mobile company along with a new handset worth $500. I have paid my bills promptly for last 6 months..now i am going back to india due to ... Read More »

My Unemployment Only Covers My Rent and Gas. Should I Drain my 401K? – Michelle

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Michelle “Dear Steve, I was laid off in Dec08 and am at the end of my savings. Although I do get unemployment, it only covers my rent and gas. I am a single mother of 1 and am getting child support which is soley going to help with daycare expenses. I have 2 credit cards with a combined minimum payment ... Read More »

I Have Been Wanting to Do Something About My Debt. It’s Time. – Dang in Debt

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Dang in Debt “Dear Steve, I have been wanting to do something with my debt for a few years and now am pushing myself even harder to get this taken care of. I about 4 credit cards I stopped paying on and have about $12000 i owe in collections plus I have my current bills that I am paying on. ... Read More »

If I Knew Then, What I Know Now, I Would Have Run Screaming From Sallie Mae. – Rachel

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“Dear Steve, I have a loan through Sallie Mae that is the subject of many a sleepless night, and if I knew then what I know now, I would have run screaming and NEVER taken out this loan. I graduated from a state university not quite a year ago and took out $42,000 to cover school, books, and living expenses. ... Read More »

I Put a Friends Car in My Name That Cost $67,000. – Anita

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Anita “Dear Steve, I’m about 20K in credit card debt. I owe about 142K still on my home. I put a friends car in my name that cost 67K (I’m still not sure how that loan went through). My income is about 43K. I’m struggling!!! I can’t get a consolidation loan because I have more debt than income. I’m trying ... Read More »

Should We Pay Off Our Mortgage? – Andy

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Andy “Dear Steve, I am 62 years old and had planed to retire in 3 – 3 1/2 years. With the ecomonic problems today my wife and I are thinking aobut taking $29000.00 out of my 401K and pay off our mortgage. I am still employed but things have really slowed down. So don’t know what year end will bring. ... Read More »

We Can’t Afford Our Mortgage and Bank of America Said They Can’t Help. – Anne

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“Dear Steve, My husband and I purchased our first home 2 years ago for $745k and put down 20%. The current balance on the loan is about $550k, and our interest rate is 6.875%. Our payments are $3800 per month. We just lost our business that provide about 50% of our income. Because of this we cannot afford our mortgage ... Read More »

I Had a Very Good Job a Year Ago and Now I’m Hiding From the Debt Collectors. – Jaime

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Jaime “Dear Steve, I had a very good job a year ago, but when the company closed I lost my job. I had bills that I could no longer afford. My total debt was $31,000 and the last payment I made was more than a year ago. I have moved away from my former location and have moved twice since ... Read More »

I Am Currently Enrolled in CCCS And Having a Hard Time Making My Payments. – Kim

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Kim “Dear Steve, I work fulltime and owe $24000.00 in credit cards. I am currently enrolled in CCCS and I am having a hard time making my monthly payment. I have payed 671.00 for 2 months now, but the 3rd month is due and all I have in my bank account is 25.00. Medical finaces caused me to be -228.00 ... Read More »

I Panicked and Called a Debt Reduction Company. I’m Afraid I’ve Walked Into a Scam. – Megan

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Megan “Dear Steve, My husband and I currently have around 10-12,000 in credit card debt and medical bills. About 2 years ago, after our 2nd child was born we became unable to make the minimum payments on the credit cards (about 10 different credit cards) and we have also been unable to pay the medical bills from our son’s birth ... Read More »

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