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Ask The Get Out of Debt Experts

How Do I Get Out of My DirectBuy Contract. I’m in a Financial Hardship.

couple working

“Dear Steve, Some time ago you wrote to Rosie about Direct Buy. I am in a very similar boat. Fell into financial hardship and can no longer pay this. I found out that they don’t report to the bureau, but after reading this they will send you to collections. Could you expound on exactly what should be listed in the ... Read More »

Student Consulting Group / Fix My Student Loan – Review. Are They a Scam?

SCG Home (20130307)

Company Name Student Consulting Group Marketing Message “It would be great if I had some extra cash right now.” Who hasn’t said that more than once? I sure have. Whether it was to pay for a nice dinner, to go on a vacation, or to just buy something I wanted. It really hurts doubly when you say that and you ... Read More »

How Far Behind Do I Need to Be to File Bankruptcy? – Jay

middle age couple

“Dear Steve, Live in Colorado, it’s the usual situation where there have been cut backs at work (outsourcing rrrr) and we are we will begin to fall short on CC payments by our calculations. We estimate maybe $ 200 probably depending on the sequester and barring other fun surprises and stuff. I much do you have to be short a ... Read More »

My Car Was Repossessed in New Jersey Without Notice. Can TD Bank Do That? – Kayla

tow truck

“Dear Steve, My info is a little long but I really hope you can help: My vehicle was repossessed in the state of New Jersey. I had no idea that the bank was going to, or were even thinking about taking my vehicle. However, I did experience financial difficulties and couldn’t make my payments on time. I was in CONSTANT ... Read More »

I Didn’t File Tax Returns for 10 Years. What Do I Do Now?

afraid alone

“Dear Jim, I am embarrassed and ashamed that I’m stuck in my current situation, but in a nutshell here it is: The last time I filed a tax return was roughly ten years ago. Prior to that, I had an amazing job, owned my home, and was moving toward getting married. Then everything fell apart. I lost my job due ... Read More »

How Do I Get Release as a Cosigner From My Student Loans With My Ex-Wife. – Bill

money

“Dear Steve, My previous wife and I have a consolidated loan with Direct Loan Services. When I log in it shows loan A which is mine for about 39,000 and then loan B which is hers for about 13,000. I have been paying the monthly payment on it since they keep sending me the statments on it. When I call ... Read More »

My Bank of America Mortgage Modification is a Joke. – Susan

Real Estate Concept

“Dear Steve, Proposed Loan Modification-Only 17 dollars less than my original mortgage. Why? I have been trying to get a loan modification with Bank of America for 4 years now. I kept getting the run around and it seemed every time I called I got the same old story-the paperwork has expired and must be resubmitted. I went through this ... Read More »

My Bank is Stringing Me Alone to Modify My Mortgage in HARP. – Maryanne

Loan Modification Green Road Sign with dramatic clouds and sky.

“Dear Steve, We have a fannie mae loan that is serviced by Bank of America. Last year when we realized we were not going to continue with payments we contacted the bank and filled out a modification form. We were turned down because our loan was not imminent. We were then told by our customer service rep that we might ... Read More »

Portfolio Recovery Associates Sued My Wife on Disability. – Frank

closeup of a gavel on cash, from above

“Dear Steve, My wife and I both became disabled and she had to go on Social Security Disability in 2008 and I had to go on Retirement/Disability from the US Department of Defense Civil Service in 2004. Needless to say our incomes dropped substantially and we could no longer afford our credit card debts. My wife received a letter from ... Read More »

I Lost My Job. How Do I Unload My Vacant Home. – Peter

Short Sale Green Road Sign on Dramatic Blue Sky with Clouds.

“Dear Steve, I have a first mortgage (about $210-220K) with PNC Mortgage and a second/line of credit with PNC Bank ($65K) on my apartment in Washington, DC. I lost my job in 2010 and moved to Illinois to help care for my elderly parents (I’m in my mid 50′s), I am behind on both payments now 7 months. Foreclosure is ... Read More »

I Want to Avoid Bankruptcy and Debt Settlement Companies Tell Me They Can Do That

questions

“Dear Steve, I have a credit card debt to the point were I cannot afford the minimum payments on most of my credit cards. The interest charges are also increasing the balances exponentially. I was approached by many credit card debt settlement companies. I tried a few to see if they could help me reduce my credit card debt and ... Read More »

My Girlfriend Did Not File Her Taxes for Many Years. The IRS is Not Happy. – Brian

IRS

“Dear Jim, My girlfriend has not filed taxes for 2004-2011. When she filed for 2012, the IRS seized her refund and sent her a letter stating it was applied to previous tax debt. She has spoken to the IRS and they have determined she owes $80,000 for 2004-2007 but have given her 30 days to file returns for those years ... Read More »

I Was Taken by a Tax Preparer That Was Not Legit. – Lucretia

IRS

“Dear Jim, I let a lady that I was told was a legit tax preparer. She filed my taxes for the past five years or so, as of last year the IRS states that I owe over $10k for not reporting my rental income 1099 I guess. I was told by my tax preparer that I did not have to ... Read More »

Husband Laid Off and We Are Barely Making It. What Now? – Meredith

Woman in safari hat looking through binoculars

“Dear Steve, My husband got laid off from his job in November 2009 and has not found employment since and everything has fallen on me. We rent our apartment for the last 12 years and the monthly rent is $885.00. We have about $115,00.00 in debt. It is a mixture of Student Loans, Taxes, Credit Cards, and Payday Loans etc. ... Read More »

I Never Want to Have Credit Cards Ever Again After Our Bankruptcy. – Denise

mother and son

“Dear Steve, In June 07′ my family moved back to Iowa from CA after my mother passed away, I used my inheirentence money to purchase a home on 5 acres. We remodeled the house and i had put the majority of my money with a local investor through the bank I had my mortage. To make my story short, the ... Read More »

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