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Ask The Get Out of Debt Experts

I Want to Hide From My Creditors – Janet

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“Dear Steve, If I don’t pay unsecured creditors like personal and business lines of credit and I disappear as you have described. What can the creditors do to collect? Do they look for corp bank accounts I might have created? Janet” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for ... Read More »

I’m Struggling With High Interest Rates on my Credit Cards From Universal Default – Eric

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“Dear Steve, Six years ago – had a unplanned child with my wife (still married). A Pediatrician put a $50.00 collection on my credit report (not my bill – total mistake). This triggered universal default 29% interest rates on me and my wife’s credit cards. I got it removed but could not get the card companys to reduce the interest ... Read More »

How Can I Lower My Interest Rates or Eliminate or Consolidate My Credit Cards? – Anna

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“Dear Steve, I own a t-shirt printing/embroidery co. I used credit cards to expand because I couldn’t get the money I needed for cash flow. I was doing well and seem to be turning around but last year was difficult and I fell behind on a few payments & had late pays. I am collecting things to sell also making ... Read More »

Jeff Wants to Rob a Bank or Do Something Desperate to Pay His Bills

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“Dear Steve, We’re not in foreclosure only because we pay the mortgage first, but several other bills are way behind, and it was our poor choices and taking loans against the house that got us here. No reputable lender would help us now, and it seems the only way out is to get rid of the house. We don’t want ... Read More »

Erik Was Deceived by a Family Member Into Cosigning For a Mortgage Loan and Now it is Hurting His Credit

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Erik “Dear Steve, A family member of mine deceived me into cosigning a mortgage loan on the condition I would become the sole owner after a year when they found another place to live. It’s been 3 years and that hasn’t happened. What has happened is several (over 15) late payments without my knowing and a huge hit on my ... Read More »

Sonia Wants to Know How to Get a Free Credit Report Without a Credit Card

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Sonia “Dear Steve, Why do all the web sites you go to say you can get a free credit report but all of them ask for a credit card. I don’t have a credit card so where can I go to get a free credit report? Sonia” Dear Sonia, You can get a free copy of your credit report online ... Read More »

Sally is in Debt Because of Slot Machines and Gambling

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“Dear Steve, My debt was caused by something totally different. I am 48 years old. Six years ago, the youngest of our three children moved out. My husband works swing shift and I found myself lonely and depressed. I didn’t know what to do with myself. But then I found the casino. A place I could go by myself. I ... Read More »

Cristy Has Three Payday Loans And Can’t Pay Them

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Cristy “Dear Steve, I’m so far behind that i have 3 payday loan, and im working full time, a part time job and going to school. How do I get a head where I don’t have to use payday loans? Cristy” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for ... Read More »

Ben Read the Book “Debt Cures They Don’t Want You to Know About” By Kevin Trudeau And Has Questions

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Ben “Dear Steve, I read the book called Debt Cures by Kevin Treadeau. It was awesome and it has a lot of tips and help there. What I am trying to do is get an outstanding credit score and it needs to be improved. When you call the credit card company it is pretty darn hard to make them lower ... Read More »

Lisa Has Been Slowly Bleeding Financially And Needs Intervention

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“Dear Steve, We are about $20,000 in debt due to accrued credit card & medical. We have been doing a “slow bleed” for the past 41/2 yrs since my husband unexpectantly lost his job just 9 mo after we had built our house (which we dumped almost all of our savings into but in now way overbuilt our means) and ... Read More »

Misty Didn’t Have Health Insurance And Got Sick. Now The Bills Are Rolling In.

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Misty “Dear Steve, I have a large amount of medical bills coming in from when I didn’t have health insurance. On top of that I have about $2,000 in credit card debt and roughly $10,000 in student loans. I have another $2,000 from a loan I took out. I now have two judgements on my credit and they are starting ... Read More »

Jessica is Unemployed, Her Husband Has MS And She is Barely Making It From Day-to-Day

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“Dear Steve, My husband is applying for full disability because he has MS and he is not able to work anymore. We have fallen behind on every credit card payment, but we are paying the car, mortgage and utilities, to make it day by day. I am currently unemployed but i could never make enough to cover all our debt. ... Read More »

Michael is Looking For a NFCC Debt Settlement Program

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Michael “Dear Steve, I am approx. 30,000 in cc debt.Am cuurrent with payments but future doesnt look so good. Needed money for medical bills and to keep operating my business-excavating. I am looking for a good debt settlement program-is the NFCC something to consider or is there others. Thanks. Michael” Don’t miss our free Get Out of Debt – “How ... Read More »

Rebecca the Nurse Wants to Get Her Student Loans Off Life Support

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“Dear Steve, Student loans private 30,000 at 10% with five separate loan groups/amounts refuse to consolidate and lose control of options. Federal two groups one at 27,000 the other 29,000 both at 5.75%. 39 years old and have been working as a nurse for 1 year making at this time $62,000. I want to attack my sallie mae loans! I’m ... Read More »

Lorena is Worried That Having Multiple Banks Accounts Will Hurt Her Credit

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Lorena “Dear Steve, I have three bank accounts. Does opening more than one bank account affects my credit score? What can I do to fix this? Lorena” 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 ... Read More »

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