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Ask The Get Out of Debt Experts

I’m Back on My Feet and Want to Start to Payoff My Old Debt. – Brandon

superhero

“Dear Paula, In Debt have not made any payment in the last 5 years or talk to any creditors about it. I Have a bout 40 grand in debt from about 5 years ago almost all credit card debt. I have some medical bills as well. I am back on my feet and starting to make good money. I feel ... Read More »

I Cosigned for a Private Student Loan and The Loan Has Gone Missing. – Jan

Woman in safari hat looking through binoculars

“Dear Steve, I cosigned a private school loan for someone, and upon being due she defaulted and I have been paying the payment now for about 1 1/2 years each month to the prior loan servicer AES. She never paid a payment, and has recently filed Chapter 13, and when I went into the AES site to make this month’s ... Read More »

Spent Through 401k Money But Can’t Afford Bills. Husband Unemployed. – Jan

stressed-woman

“Dear Steve, My husband lost his job about 4 years ago. We were in debt then and had started to make extra payments to try to get out of debt. With the loss of his income, I went back to just making minimum payments on everything. I took money out of my 401k just to help us pay bills on ... Read More »

I Could Not Afford My Credit Union Car Payment and Gave My Car Back

tow truck

“Dear Steve, I took out a car loan with my credit union and i had a hardship and they were able to lower my loan. However it was not lowered enough to satify my ability to afford the monthly payments. Therefore I contact the credit union for further help and they were unable to further lower my paynents. My payments ... Read More »

I’m a Disabled Mother Trying to Build Good Credit to Buy a Home. – Stacia

credit good

“Dear Steve, I’ve been reading through your page and am still unsure what I should do. I’m a single disabled mother of an epileptic 14yr old son, just diagnosed on 11/11/11, I have been on Disability since 07′ and for the most part have been doing an amazing job of just getting by. Recently I’ve been cleaning up my credit ... Read More »

I Owe on a Car But Would Like to Settle the Amount Owed. – James

garage

“Dear Steve, I purchased a $16,000 car in 2007. I put $6,000 cash down, less than 60 days after I signed the contract the car starts swaying really bad due to worn out bushings in the suspension. I contacted the dealership, got an estimate for the necessary repairs($1,800). The dealership refused to even cover a portion of the repairs stating ... Read More »

Credit Report Shows Me as an Authorized User on a Credit Card. – Kelly

Screen Shot 2013-03-12 at 4.24.02 PM

“Dear Steve, I have a relative that added my name to their credit card as an authorized person who can sign. The card is not in my name, no credit check was run, I am only listed as an authorized person who can sign if need be. However, I have now noticed that the credit card company has reported this ... Read More »

Is Suicide My Only Option to Get Out of Debt? – Raj

suicide

“Dear Steve, I’m in deep trouble and the only option left for me is Suicide. I just can’t think of anything to overcome the hassle I created by myself. Im so stupid that I trusted someone wholeheartedly broke me into pieces. I came to USA in 2009 on a F1 student visa , borrowed money from my family members for ... Read More »

I’m Retired and Wonder if I Should Use My Retirement Money to Pay Off Debt. – Karen

Financing a budget

“Dear Steve, I am a 62 year old single woman. I retired in June with a fixed PERS retirement pension and am also collecting my social security pension for a total of annual income of about $64,000. I have about $20,000 left in credit card debt that I have been paying down on a fixed debt reduction plan that I ... Read More »

I Wrote You When You Were the Debt Coach on the TV Show Starting Over. – Sari

Working At Home 6

“Dear Steve, I am not sure if you are the same Steve Rhode I wrote to about 7 years ago. I heard about you on the TV show Starting Over, with Rhonda Britten. I wrote to you asking advice on how to get out of the large debt we had from attempting to start our own business, while also experiencing ... Read More »

Quicken Loans Keeps Calling Me After Turning Us Down. – Jeffrey

husband wife

“Dear Steve, We have an upside down mortgage. In order to make mortgage payments we pretty much maxed the credit cards. We were told by Bank of America the only reason we did not qualify for HARP was b/c we were 30 days late paying June 2012′s mortgage. They told us that since we did not have any other lates ... Read More »

I Was Homeless and an Alcoholic and Have Some Debt. – John

man - elderly

“Dear Steve, I was homeless for a long time & had a drinking problem iv gone through some programs in one now that helps with rent. im 65 & on a fixed income of 730.a mo. letters say i owe 900 to a co. down so. i know theres more cant get a debt list. an dont know how i ... Read More »

Where Can I Find a Legitimate Mortgage Modification Company? – Michael

Loan Modification Green Road Sign with dramatic clouds and sky.

“Dear Steve, Can you recommend a legitimate Loan Modification company anywhere in New jersey? All I hear are horror stories about these types of companies, and dealing with the bank directly is a joke. Any recommendation would be appreciated. Thank you, Michael” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, ... Read More »

I Entered a Debt Settlement Program With Consumer Law Associates. Chase Won’t Settle. – Mojo

doctor-xray

“Dear Jared, I made a mistake plain and simple by listening to a debt settlement company (Consumer Law Associates). In 2010 they told me they could settle my credit cards including Chase. To their credit they settled 3 out of the 4 (Chase being the only one left). But from what I am seeing online it does not look like ... Read More »

My Debt Settlement Company Went Out of Business. What Now? – Edward

punched-in-face

“Dear Steve, I started with Debt Relief Center (25 Crossroads Dr. Ste 404 Ownings Mills, MD 877-740-2111 and 866-3724 www.drclogin.com) in August 2010. A creditor (Sunrise Credit Services) was threatening legal action if I didn’t pay full amount ($10,500) immediately. I never was in this position before and I didn’t want to declare bankruptcy nor be sued. Then a friend ... Read More »

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