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Ask The Get Out of Debt Experts

Will Going With Clearpoint Credit Counseling Lower My Credit Score? – Mia

Drive Carefully

“Dear Steve, I have trying pay off my credit cards for some time and tired of not paying them off. I looked into Clearpoint debt management but I’m worried. I have good credit 740. I have a total of 4 cards with most close to maxed out. Clearpoint says they can lower interest on cards by closing them all and ... Read More »

I Got a Secured Card But My Credit Score Didn’t Shoot Up. – Cary

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, My credit score was mid 600′s with no credit history at all, until about a year ago a cable provider claimed I didn’t return an HDMI cable, and it took me two years to finally settle up with a law firm I owed a few thousand dollars to. My credit score dropped 75 points. I paid these off ... Read More »

I Bought a Truck With Bad Credit. How Can I Pay It Off Faster? – Rondell

credit good

“Dear Steve, I PURCHASED A MUCH NEEDED USED TRUCK FOR A NEW JOB THATS PAYING ME $60,000 A YEAR… I PUT A DOWN PAYMENT OF $1,500…THE INTREST RATE IS 18%…MY CREDIT SCORE IS VERY POOR (540)….MY NOTES ARE $425.00 A MONTH FOR, 56 MONTHS, HOW CAN I PAY THIS TRUCK OFF IN HALF THE TIME,OR SOONER AND WHAT IS YOURE ... Read More »

How Do I Make Nelnet Remove My Father as a Cosigner. – Steve

Rejected stamp

“Dear Steve, I have a private loan through Nelnet with about $24k (from $35k) left. My father is in the process of buying a business and needs me to take him off as a cosigner but when I called Nelnet they would not do this because I was 15 days late on a payment back in 2008. Are there other ... Read More »

I Refuse to File Charges Against My Mother for Identity Theft

oops

“Dear Steve, When I was in college my mother took a credit card in my name. Apparently I signed up for a free Bank of America credit card when I also signed up for a bank account. They sent the card to my mom’s house (my official place of residence at the time even though I was in school and ... Read More »

A Company Says They WIll Sue Me Over a Decade Old Capital One Debt. – Cheryl

no bullshit

“Dear Steve, I received a call on my cell from a blocked number this morning at 8:00 am that left a message giving a phone number and case number and stating it was from Legal Service, no company name, and something about issuing a summons. I called the number back and spoke to someone who claimed she was from FSM ... Read More »

Bank of America Sold My Debt to North Star. What Now? – Jane

contemplate

“Dear Steve, Bad credit due to financial hardship/reduction in my income. My Bank of America was charged off and sold to North Star last Feb. 28, 2013. North Star has called but I have not answered. My question is should I contact them and pay this debt or just not contact them at all. I want to work on getting ... Read More »

Can I Take Action Against Coastal Debt Solutions? – Renee

angry woman

“Dear Steve, Problem with Coastal Debt Solutions in Florida when I signed up for their debt solutions program in April, 2010. I paid this firm $3200.00 plus over a 9 month period so I could get a Discover card debt (starting at $7700.00 some). However, due to Discover suing me in December for the then owed sum of $8,800. some, ... Read More »

I’m a U.S. Citizen Living in the UK. If I File Bankruptcy in the U.S. Will it Hurt Me in the UK? – Amanda

teacher

“Dear Jon, I am a US citizen living in the UK for 4 yrs. I have no intention of returning to live in the US, and plan on applying for citizenship here. I have been paying 3 credit cards, a credit union car loan and a student loan in the US for the last 4 yrs. i have recently lost ... Read More »

My Wife Signed Up With Student Loan Service.US and I’m Worried. – Michael

puzzled looking little boy looking to the left

“Dear Steve, I tweeted your account on twitter also. My wife and I have a good amount of student loan debt. She registered with a site she found online “studentloanservice.us” they are associated with “COASTALCREDITSOLUTIONS.COM” I cannot find any information about them. She gave them all of our banking information and they are set to charge our account on friday. ... Read More »

I’m Horrible and Suck at Managing My Own Money. What Can I Do? – Jim

robbery

“Dear Steve, Situation * Tax Debt – $175,000 Credit Card Debt – $90,000 interest on top of those All I’ve wanted all my life is to have someone to manage my money and only give me what I could spend without repercussions. I’m awful with money and have gotten myself in so deep I don’t know how to get out. ... Read More »

Facebook Advertisement Leads to Eyelash Product Scam. – Marina

make up

“Dear Steve, I’m 19 and I’m fairly new to the world of internet scams, so when I saw an add on facebook advertising an eyelash product I decided to give it a try. I submitted my information and waited for the email. It never came…so I used the site’s information to request a cancellation, I never heard back, never received ... Read More »

My Student Loan Relief Wants to Charge Me a Monthly Fee. – Danna

Magnifying Glass - Q&A

“Dear Steve, I called a similar agency to get help with my student loans. Initially I received a litigation letter in regard to my private student loan. They were threatening to follow through thus garnishing my wages. Upon calling “My student loan relief” they asked for my FAFSA pin, I gave it to them, she accessed my information. She proceeded ... Read More »

Back Property Taxes Building Up But Have a Chance to Work. – Linda

chalkboard

“Dear Steve, My disability income is $2200.00 per month. I am allowed to work without jeopardizing my disability income if the job pays less than 1000.00 per month. I just began looking for a part-time job. Should not be difficult since I have clerical skills and years of customer service experience. However, I have not worked since 2006. My credit ... Read More »

S Corp Line of Credit Backed by SBA Resulted in 1099-C From Chase. – Amanda

process

“Dear Jim, This is apparently yet another 1099C question :) For my S-corp business, I had a line of credit with a bank that changed loan terms after three years into a fixed loan. This loan was backed by SBA. I was unable to pay the new terms (and didnt actually understand that it was going to change) and tried ... Read More »

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