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Ask The Get Out of Debt Experts

Can I Get My Bank to Reduce My Car Loan Interest Rate? – JT

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JT “Dear Steve, At this moment, I am paying high interest on my car loan? Do you think I can get the bank to reduce the interest even if my credit score is bad? JT” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and ... Read More »

How Can I Get Out of Debt Quickly and Fix My Credit Report? – Manny

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Manny “Dear Steve, I have five credit cards and I have made agreement with two out of five creditors, the other 3 creditors do not want to help me out. What can you advise me to do. I have five cards all five cards comes to 21000, my daughter will be in colllege in about 51/2 years and I want ... Read More »

Is a Voluntary Repossession a Good Idea? – Dan

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“Dear Steve, I owe about $8,800 on my car and with credit card debts being around $13,000, I am unable to pay more than the minimum payment due on that car. I don’t need this car and would love to get rid of it in order to throw that extra money at reducing my credit card debts. I don’t know ... Read More »

I Had to Use My Credit Cards to Live and Pay Bills After My Divorce. – Christine

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“Dear Steve, After getting divorced, I had to use my credit card to live and pay bills, taxes,etc. Then I got remarried and we remodeled our home and bought some new things to go into the home. We both have good jobs and great credit, but we have no savings at all. We are living paycheck to paycheck. We want ... Read More »

Should I Quit Claim Deed My Home to My Son? – Sarah

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“Dear Steve, I have a home that I am in the process of a short sale and a large amount of unsecured credit lines. I also have a home that has quite a bit of equity in it but can’t sell. I am in the process of modifying the loan on the house with equity and have gotten some initial ... Read More »

I Am Drowning in Debt And See No Light at the End of the Tunnel. – Tammy

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“Dear Steve, I am drowning in debt and see no light at the end of the tunnel. It is causing me daily stress and anxiety, as I am worried about my future, worried about losing my good credit when I am no longer able to make my payments, worried about my kids. I am a single mother of 3, divorced ... Read More »

My Husband Died and I Was Laid Off. – Linda

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Linda “Dear Steve, I am 51 years old. My husband died 3 years ago. I was layed off from my job in Oct. 2008. I have over 40,000.00 in credit card debt and 50,000.00 on a home equity loan. The interest rates are killing me. I may have to file bancruptcy. How can I lower my interest rates so I ... Read More »

I Found I Owe an Old Medical Bill. What Can Credit Collectors do to Me? – Mark

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“Dear Steve, I am trying to clean up my credit. I found that I owe a medical bill from 2003. What can credit collectors do to me? I thought that these end after a number of years. Mark” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical ... Read More »

My Husband Passed Away And Now the Credit Card Company Wants the Full Amount. – Merle

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Merle “Dear Steve, I have a credit card that I’ve had for over 10 years. It was in mine and my husbands name. I have been paying by check signing my name all this time. My husband passed away almost 2 years ago. They found out and are now calling for the full amount of $6,000. I haven’t been late ... Read More »

Should I Cash Out My 401k to Pay Off My Credit Card Debt? – Chad

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“Dear Steve, I have 30K in credit card debt, and I own a house. My property taxes went up 2k this year, and I can no longer put money in the credit card to pay down the payment. All my available income goes towards house payment and insurance, and taxes. I can make mimimum payment on credit cards. Should I ... Read More »

How Can We Pay Down Our Enormous Debt? – Sharon

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“Dear Steve, We have nearly $21,500.00 in debt from Credit Cards, Home Equity Line of Credit, and College School Loans. This does not include our home loan/mortgage or vehicle loan. Credit cards alone are almost $6,500.00 of this debt. We want to be debt free and would like to be able to afford to send our children to private school. ... Read More »

It’s Just a Matter of Time Before I Have to Look at Debt Settlement or Bankruptcy. – Laura

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“Dear Steve, Hi, I am drowning in debt from student loans and credit cards. I have a steady job, but it’s just a matter of time before I’m going to have to look at debt settlement or bankruptcy. So far I’ve paid all bills on time, but LOTS of debt. My 5 year ARM is up end of 2009. Would ... Read More »

I’m Drowning in Private Student Loans. – Kathy

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Kathy “Dear Steve, I graduated from an affordable college four years ago with $70K in student debt. Because my parents made $200K per year, but were unwilling to help me pay for college, I was ineligible for sufficient Federal aid, even loans. I was forced to finance college through a private lender, which I was lead to believe adhered to ... Read More »

Should I Use My Money in Savings to Pay Down My Credit Card? – Zach

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Zach “Dear Steve, I just turned 26 years old and I’ve got $6700 in credit card debt (All at 0% except for $1700 at 11%) and $4500 in an emergency fund savings account. It costs about $1600 a month for me to live, giving me about 3 months of living expenses saved up. I have a stable part-time job, and ... Read More »

I Want to Freeze My Interest Rates. – Vladimir

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Vladimir “Dear Steve, I have debt of £4000 with high interest and cant keep up the repayments plus i am never gonna get rid off debt only paying minimum payment on card but cant afford to pay more. wanna freeze the interest. How can I freeze the interest rates? Valadimir” Don’t miss our free Get Out of Debt – “How ... Read More »

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