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Ask The Get Out of Debt Experts

I’m Worried About What to Tell My Creditors About My Upcoming Bankruptcy. – Janet

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“Dear Steve, Married with no dependents & in over our heads – we are going to a lawyer soon about bankruptcy – there is no other way – I am horrible depressed – talked to a few creditors & all they want to do is stop one payment no matter that I tell them the following month we would be ... Read More »

How Do I Remove Charge Offs From My Credit Report? – Debt Chicken

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Debt Chicken “Dear Steve, Okay, so I did the ignoring thing with two credit cards and the banks charged them off. However, when I was finally able to pay them, I paid them off one through an attorney and the other a collection agency. My current credit reports shows the original creditor as charging them off and the collection agencies ... Read More »

What Is The Best Way To Pay a Collection Company? – Martin

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Martin “Dear Steve, I’m ready to fix my bad credit. What is the best way to pay collection agencys, should i go through a debt management program or pay them myself? Martin” 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 help to beat ... Read More »

Should I Forego Credit Completely and Just Live on Cash? – Lady Chicken

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Lady Chicken “Dear Steve, I have just under 50k in student loan debt and 8k in unsecured debt. I will have paid off the 8k by June or July of 2009. My credit is horrendous and even though I have am now current on all bills I do have a credit file with a redeemed repo, three charge offs and ... Read More »

If I File for Bankruptcy, Will I Ever be Able to Rent Again? – Jan

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“Dear Steve, I’m working full time, am having trouble paying everything. I have to borrow from one credit card to pay all my bills, including other credit cards. I owe almost $30,000. in credit card debt. If I file for bankruptcy, will I ever be able to rent again? Landlords always seem to check credit reports. Jan” Don’t miss our ... Read More »

I’d Like to Get Rid of My Student Loan Payments With Bankruptcy. – Nancy

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“Dear Steve, I will never be able to pay my sallie mae student loan because of hardship. I am a single mother of two living check to check. I want to see how I can have my student loan discharged? Can I file bankruptcy myself? Nancy” Don’t miss our free Get Out of Debt – “How To” Guide Series on ... Read More »

My Car Went Missing From My Driveway Because My Ex-Husband Didn’t Make The Payments. – Lynn

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“Dear Steve, Hi, I am married, but I recently filed for chapter 7 in Dec. 08. individually. I was able to keep my house and car as long as I continued to make the monthly pymnts. About a week ago, to my surprise, my car was no longer in my driveway. The bank repo my car, for payments that were ... Read More »

Should I Use My Tax Refund to Pay Off My Credit Card? – Anna

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“Dear Steve, I owe $8000 dollars from one credit card. I don’t really owe any significant amount from the other credit cards I have. I’m expecting to receive about $8,000 from our income tax refund, should I just use all of that to pay my debt? I was thinking of saving the $8000 refund instead in case we need it ... Read More »

I’m Buried in Student Loan Debt and not Even Finished with School. – Levi

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Levi “Dear Steve, I am finishing school right now after taking a two year hiatus. The problem is that I already have 60k in student loan debt and I am going to be pushing 75k by the time I am done. With the current crisis in our economy noone is refinancing or taking on loan consolidations. What am I supposed ... Read More »

Mean and Abusive Husband is Going to Get Outraged Over Debt.

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Samantha “Dear Steve, I work full time. My mother watches my daughter. I am in the process of divorcing my husband who is mean and abusive. My credit sucks already but i don’t think I’m going to be able to keep up with the payments that we share. I have full custody. We have two loans together totaling about $5,000 ... Read More »

I Have $120,000 in Credit Card Debt. Can I Eliminate That With Debt Invalidation? – Isabel

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Isabel “Dear Steve, I have $120,000 in credit card debt. This is due to a 3 year court case and paying attorney bills by credit card. My credit rating is 670+ and I have no late payments despite my 72% debt to income ratio. I am considering debt consolidation, debt elimination or debt invalidation. I don’t want to hurt my ... Read More »

Can I Really Use a Balance Transfer Deal to Get Out of Debt? – John

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“Dear Steve, I have one credit card with a balance of $22K and an 8.5% interest rate. I want to pay it off in the next 2 or 3 years or so. Would it make sense to do a balance transfer to another card that is offering 0% APR on all purchases and transfers until January 2010 and then 9% ... Read More »

Can I Trade My House In For a Smaller One Instead of Losing it in Foreclosure? – Hollis

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Hollis “Dear Steve, I am severly under water financially having lost a second income. Now my house is upside-down by probably $80K, both my credit cards are topped out and I owe $40K on those and I have been advised to declare chapter 7 bankruptcy. My retirement savings have plummetted because of the volitility in the market, so there is ... Read More »

We Have $225,000 in Credit Card Debt. – Jane

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“Dear Steve, My husband is on disablity ($1300 per mo) and I am employed and take home about $3,000.00 every 2 weeks. We have $225,000 in credit card debt. Although we have not been late on a payment, we have been borrowing from Peter to pay Paul and can’t go on much longer as our monthly payments now total $4,800. ... Read More »

We Lost Our Home in Foreclosure And Now The Banks Wants $56,000 From Us That We Can’t Pay. – Trevor

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Trevor “Dear Steve, Several years ago my wife and I lost our home to foreclosure in NC. The bank sued us for a deficiency judgment which of course we were unable to pay, because we could not even keep up the house payments despite emptying our life’s savings. Today, four years later, this judgment still hangs out there, gathering enormous ... Read More »

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