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Ask The Get Out of Debt Experts

Bob Is Underwater And Drowning, In Debt

Drowning in Debt

“Dear Steve, Can I ask for your advice since I’m so overwhelmed with debt. I have 4 credit cards with approximately $48,000 in balance. I’m only paying the minimum amount due per month because that’s all I can afford considering the other expenses I need to pay (mortgage, car loan bills, etc). Most of the debt here were house related ... Read More »

Shellie Had Cancer And Is Now Slowly Dying From Terminal Debt

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Shellie “Dear Steve, I had cancer and a lot of complications with it, at the same time my youngest son had lung surgery. I don’t have any other outstanding bills other that medical. Even with insurance i still owe about 6 or 7 thousand dollers in medical bills. I am getting disability but it isn’t much. My husband works but ... Read More »

John is Worried His Debt Will Scare Away His Fiancee

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“Dear Steve, Here is the situation. I have 50K of debt between credit cards and lines of credit and a 20k vehicle loan. When I first met my fiancee, she asked about credit card debt, I was defensive about it so i just told her that i didn’t have any. She knew I had a truck loan at the time. ... Read More »

Jason Has Not Paid His Mortgage in 10 Months And Wants to Keep His House

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“Dear Steve, I fell behind on my mortgage payments then I stop paying my mortgage payments and let things get worse. I fell behind in my mortgage and then gave up and stop paying it. I’ve been in foreclosure for about ten or more months. In a few weeks there will be a court case not sure if it will ... Read More »

Chris is in College With His Soon to be Wife And Slipping Below The Waves in Debt

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“Dear Steve, Me and my fiancee are in college my fourth year, her third and because I went without a job for about 8 months we encoured almost 10 grand in debt. Now that we are both working and trying to do the right thing we are slipping farther and farther into trouble and we no longer use any of ... Read More »

Rachel is in Medical Debt, Was Sued And Lost. What’s Next?

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“Dear Steve, I’m in debt from medical bills at about $17,000. I was taken to court over a $560 bill and am making payments on that, now I have another bill for about the same amount that i have court with next month. My finances are totally screwed up and i need to get a grip on these bills! What ... Read More »

Roise Has Panic Attacks, Can’t Work, And Is Now Out of Money

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Rosie “Dear Steve, I worked as a teacher for sixteen years. I developed disabling panic attacks which would no longer allow me to work. Soon after, I filed for bankruptcy. I later applied for social security disability in 2001 but was denied. In 2003 I was forced to sell my home in order to have money to live. I began ... Read More »

Jake Wants His Transcript But He Defaulted On His Student Loan Debt

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“Dear Steve, I currently owe $30,000 directly to a university as a collection with 6% interest. They will not release my transcripts from my one year of study at the university until I have paid the amount in full. I am making the minimum payment every month, but my income is roughly $12-13 an hour because all I have is ... Read More »

Eva Has Heard Negative Things About CCCS

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Eva “Dear Steve, My husband and I just bought a home and besides the mortgage, we are in debt for $26,000. I called up my credit card companies and they said they aren’t offering lower rates to customers now. I went to CCCS website and they say lowering customers rates is one of their ways they can help out. If ... Read More »

Bre Wonders Why Her Credit Report Still Shows Negative Items That She Thought Should Have Been Removed By Going Bankrupt

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Bre “Dear Steve, I filed chapter 13 bankruptcy and little to my knowledge my attorneys who represented me did not clear my credit after the filing or even in the process so in essence I still have all the listings of old creditors on my credit report and it’s a bit tasking to have them removed. Any suggestions on how ... Read More »

Ed is Disabled and Falling in Debt Fast. What Can He Do?

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“Dear Steve, I am disabled and falling in debt faster than i can handle. I am barely staying alive with trying to feed my family. I am behind on my mortgage and regular bills (utilities). I stopped paying on my credit cards just to try and keep my utilities from being disconnected. credit card companys are calling me constantly for ... Read More »

C Wants to Defer Student Loans Without Hurting the Credit Report

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C “Dear Steve, I paid my way through college and fortunately could afford to take out only subsidized Stafford loans amounting to $10,000. After graduating I planned to find a full time job but have only found part time temporary jobs. I clustered these jobs over the last eight months and have been able to pay down my debt to ... Read More »

Valerie And Her Vanishing American Express Card Business Account

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“Dear Steve, I had an American Express business account. I ran it up to $2000 when my husband was in the hospital for 4 months and couldn’t pay it all at once. I finally paid it off in about 2-3 months. When I paid it off completely, they cancelled my card. They said the reason was that my “other” credit ... Read More »

Jerry Wants to Know How to Repay Debts He Can’t Afford

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“Dear Steve, I have a time deposit at the bank and borrowed 80% of it using the deposit as collateral. I already skipped 3 payments even for the interest alone. My car is also mortgaged at another lending firm and I already skipped 2 monthly payment for my amortization. I have a small business but the income I get is ... Read More »

James Wants to Know If Capital One Will Take His Car If He Stops Paying His Credit Card

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“Dear Steve, I can not pay my credit cards,because of sickness. I have a auto loan with Capital One and a credit card with them as well. If I just pay only my auto loan on time each month and stop paying on the credit card, can they touch my car because I pay one and not the other. James” ... Read More »

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