Latest Posts
Home > Ask The Get Out of Debt Experts (page 360)

Ask The Get Out of Debt Experts

I’m in a Debt Management Program and I Can’t Afford It. What Should I Do? – Anne

justball-144x125

“Dear Steve, I owe tons in credit cards and am in dept management. That payment takes half of my salery each month and now my student loans are out of forberance and i don’t qualify for financial hardship. Is debt arbitration legitamite? They say they can cut my debt by 60% and my payments would be half of what I ... Read More »

I Have AIDS and Disabled But I’m Afraid My SSDI Benefits Are Going to Get Garnished for Student Loan Payments. – Jack

justball-144x125

“Dear Steve, I have AIDS and can no longer work I owe around $12,000.00 in current and way past due credit card debt. I am on SSDI and can barely pay rent+utilities. I have fought off Capital One and now I hear the feds can garnish my SSDI $$ for student loans. I think I should change phone numbers and ... Read More »

We Are Sinking Fast And Using Credit Cards For Daily Purchases. – Valerie

justball-144x125

URGENT QUESTION! Valerie “Dear Steve, I cried all through writing the question. Situation is that we’ve always paid our credit card bills and always been on time and lately our credit score keeps getting worse and worse. Our mortgage/taxes/insurance costs $3000.00 per month so I don’t want to default on that. Yes, we have remortgaged too many times. Presently, I’m ... Read More »

My Mom is in Debt and She Cries Every Night. I Can’t Stand to See Her Sad. – Calvin

justball-144x125

Calvin “Dear Steve, Hi, my mom is in debt and she cries every night. I can’t stand to see her sad. The economy is horrible and we may not be able to afford our next house payment. How could I, a 13 year old help my mom. I will work, I will fight, I’m willing to do anything. Please just ... Read More »

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

justball-144x125

“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

justball-144x125

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

justball-144x125

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

justball-144x125

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

justball-144x125

“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

justball-144x125

“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

justball-144x125

“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

justball-144x125

“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

justball-144x125

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.

justball-144x125

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

justball-144x125

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 »

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.