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Ask The Get Out of Debt Experts

What Do We Need to Do to Consolidate Our Debt? – Ayanna

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Ayanna “Dear Steve, My husband and I just got married, together we owe about $60,000. They are all in collections, due to job losses, unemployment, and only one of us was working. We both now have jobs, and would like to consolidate. What do we need to do to consolidate our debt? Ayanna” Don’t miss our free Get Out of ... Read More »

How Can I Save Money and Get Out of Debt at the Same Time? – Rob

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“Dear Steve, I read an article that said if you want to pay down your debt quickly, it is ridiculous to try to save money at the same time . You should put all available funds into debt reduction so that you can snowball your payments and get out of debt faster. The conventional wisdom is to build your emergency ... Read More »

I See My Situation as the Most Dire That I Have Seen or Even Read About. I Am at the End of My Rope. – Martina

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Martina “Dear Steve, I am a single mother of a 5 year old princess. I don’t get child support and at one point in my life about 6 years ago I was debt free with only my house payment, utilities and food. Then from there I pretty much have gone down hill. I had credit cards that I maxed out ... Read More »

Do You Recommend Credit Counseling or is There a Better Way? – Danny

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“Dear Steve, My wife and I have accumulated 40,600 in credit card debt. We are way over our heads, however, we have been able to make ALL of the payments on time. We are just barely making it though. We make over 118,000 a year together. Do you recommend credit counseling or is there a better way? Danny” Don’t miss ... Read More »

I Have Been with CareOne for 3 Months and I Am Having Difficulty Paying the $594 Monthly Payment. – Jim

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“Dear Steve, I have been with CareOne for 3 months and I am having difficulty paying the $594.00 monthly payment, behind one month on car. What can I do? Jim” 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 back debt. ... Read More »

I Need Some Advice and Referrals For Bankruptcy and a Debt Financial Counselor. – Georgina

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Georgina “Dear Steve, I owe a total of about 130k in cc & student loan debt. Student loans account for 70k. not sure how to start repay or bankrupy. I’m just 2 years back in workforce now. I make 50k yr with room for increase near future. Help, overwhelmed I need some referrals for debt finanical counselors and or bnkruptcy ... Read More »

Is Buying a Used Car With a Credit Card a Good Thing? – Karla

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Karla “Dear Steve, Is buying a used car with a credit card a good thing? Karla” 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 back debt. – Click Here The Answer   Dear Karla, Excellent question. My answer may surprise ... Read More »

How Can We Go About Getting My Wife’s Name Off of This Debt? – Hank

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“Dear Steve, I was offered to apply for overdraft protection on a checking account via telephone. As it turned out, all overdraft payments were actually cash advances, therefore high interest rates. But this is the problem. My wife recently got her annual credit report and found that the bank had this on her credit as a joint account. My wife ... Read More »

I’m 24 and About $20,000 in Debt Plus I Try Real Hard to Pay Them. – Andrew

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Andrew “Dear Steve, I’m 24 and about $20,000 in debt plus i try real hard to pay them but i don’t make alot of money and the credit card people don’t care they just what money, money and more money Plz help i would like to get out of debt or get it real down Sam” Don’t miss our free ... Read More »

Do We Have Any Viable Alternatives Other Than Bankruptcy? – Paul

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“Dear Steve, I have piled up over $60k of credit card debt over the past couple of years. My gross income has been in the $55k range for the past two years. I am in a business where my income should continue to grow but with minimums around $1300 per month I’m very close to falling behind on these and/or ... Read More »

What Are My Options Other Than Filing Bankruptcy to Help Me Reduce the 25% APR on My Bank of America Credit Card? – Bobby

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Bobby “Dear Steve, I’m a college student, age 22, and have trouble reducing my credit card debt due to the high interest rates. I have nearly reached my credit limit of $5,000 with my Bank of America Credit Card due to the apr of 25%. My credit score has been reduced to poor due to a few late payments (3) ... Read More »

Is It Possible to Avoid Bankruptcy and Prevent Our Creditors From Attaching Judgment Liens On Our Properties? – David

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“Dear Steve, I’m a real estate investor and my wife is a Realtor. We have used my wife’s credit to accumulate debt of $180K in unsecured personally guaranteed business LOC and credit cards in one corporation and $100K in of the same in a limited liability corporation. I filed personal bankruptcy 4 years ago and thus the reason we are ... Read More »

I Have a Mortgage With Chase, Will They Work With Me to Lower Payments? – Janet

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“Dear Steve, We have more debt than we can handle. We have just seen a lawyer about bankruptcy. Even with bankruptcy our mortgage may be too much for us. I have a mortgage with Chase – after banruptcy will they work with me to lower payments? I have never been late with payments. Janet” Don’t miss our free Get Out ... Read More »

Our Monthly Income Has Dropped From 10K to 3K, Now What? – Maria

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“Dear Steve, I have over 30k in card debt 2 mortgages 200 k and 70k with a balloon mortgage due in 04/10 on the 70 k our per month income has dropped from 10k to 3k Now what? help!!!!!!!!!!!!!!!!!! Maria” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads ... Read More »

I Quit My Job in October and I Can’t Find a Job But I’m Still Looking. – Sonya

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Sonya “Dear Steve, I quit my job in October and I can’t find a job but I’m still looking, I just had my credit looking decent because of a default student loan. And bought me my first new car and had 4 credit cards I didn’t use until I was unemployed. I know it was stupid but my husband of ... Read More »

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