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Ask The Get Out of Debt Experts

Rescue One Says I Am Pre-Qualified for a Loan. Is That a Scam? – Michael

Drive Carefully

“Dear Steve, I AM RETIRED LIVING MOSTLY ON SOCIAL SECURITY. I USE TO WORK PART TIME, 20 HOURS A WEEK, DO NOT ANYMORE. I HAVE AN RV, TRYING TO SELL HOUSE AND GO FULL TIME RVing. Mike I RECEIVED A FLYER IN THE MAIL THAT I AM PRE-QUALIFIED UP TO $45,000 WITH RESCUE ONE. (Fixed monthly payment) respond by March ... Read More »

How Do I Get TitleMax to Give Me My Title After Bankruptcy?

car broken

“Dear Steve, About 4 years ago I received a title loan from title max during that repayment time I lost my job and came down with some health issue which caused me to default on the loan. In 2012 I decided to file bankruptcy chapter 7. Now the motor has gone out in the 2001 Nissan Altima and now there ... Read More »

I Can’t Sleep Because I’m So Stressed Out About My Debt. – Bill

future

“Dear Steve, I live in Georgia. 50 years old, wife is 41, two boys age 14 and 11. Boys are special needs and attend private special needs school, tuition paid in full by my Mom. Own home with $133K left on loan balance. Equity is anywhere from $2K to $10K. Home prices have stabilized in my zip code but area ... Read More »

How Do I Know if I Qualify as an Innocent Spouse for the IRS? – Mindie

IRS

“Dear Jim, About 3 or so years ago, my husband was hit by a car while riding his motorcycle. He was not wearing a helmet, and sustained a brain injury, leaving him with short term memory loss, and various issues with his ability to comprehend things. Prior to the accident, he had lost his job of nearly 16 years, and ... Read More »

Should I Go With ClearPoint Credit Counseling or File Bankruptcy?

black-hole

“Dear Paula, I am at a crossroads with deciding between debt consolidation with a reputable lawyer in Manhattan, Clearpoint Consumer Credit Counseling, or taking a loan from Lending Club to resolve my debt. I realize I should have done something about this sooner but I always thought “things will change” – however, that’s not happening and I’ve finally come to ... Read More »

What’s the Best Way to Settle My Own Debt With Capital One & Discover? – Pablo

Handshake with Money Sign

“Dear Mchael, I wrote you earlier. You advised me well that I might want to try and settle with my creditors myself before going into bankruptcy proceedings. My current status is I am waiting to hear from my creditors. I also, as you suggested, followed up with Halo Debt Solutions. They said if I could discharge them in chapter 7, ... Read More »

I Live in Canada But Back in Debt Again. Help! – Lisa

monster under bed

“Dear Steve, Hi Steve, My bankruptcy drops off my credit report in June (my 7 years is up) but because of medical problems that my daughter and I have had in the last 3 years I have some bills in collections (none are credit cards) now and I am so afraid of this whole situation I can’t even tell you ... Read More »

I’m Trying to Get Back on My Feet After Cancer. – Lonnie

Cure the disease

“Dear Steve, I’ve had a hard to get back on my feet after cancer treatment. I’ve started to pay the little I can to creditots. I’ve secured credit through a credit union. Know I plan to get a secure loan of 1000 dollars, and pay over the choice of a year. If I able to get that far I may ... Read More »

I Left the United States Because of My Student Loan Debt. What Now? – Blair

flemish cow in the field

“Dear Steve, I earned a Master’s degree and spent a year on the job market before taking a job with the City of New York. It required said Master’s but didn’t pay enough for me to maintain a decent standard of living (a shared flat without rodents, a diet that didn’t consist of 50% instant noodles) while repaying my $130,000 ... Read More »

I’m in the Military. Can I Settle My Federal Student Loans? – Tony

Military

“Dear Steve, Received 2 federal loans total of $10200 and now owe over $25000. I am military.. The loans have been in forbearance and deferment for ever it seems.. Married 3 kids to take care of plus my mom lives with me and my wife’s brother who has early on set Alzheimer’s. I owe a little over $25000 on my ... Read More »

Estate Law Group Vanished With My Money. – Larry

closed

“Dear Steve, i retained estate law group 15333 culver dr,irvine california, june 2012 and paid them 2600 bucks,working with them back and fourth in the beginning but started noticing is was getting hard to get ahold of them,i was trying to mofify my 1st and 2nd mort which they told me not to pay, at one point they told me ... Read More »

We Paid Our Lowe’s Credit Card Debt and Got Our Bank Account Frozen Anyway

punched-in-face

“Dear Steve, I had a Lowe’s credit card balance 700. I was late paying, do to some financial challenges. I borrwoed money to get caught up on debts, went to store and paid balance. Several years later (4) a collection agency sent a letter asking for 1800 dollars, to shelter me and thinking he was helpful, my husband setup arrangements ... Read More »

I Filed Bankruptcy But My Husband’s Mortgage With Bank of America Was Discharged. – Paula

No Way!

“Dear Steve, Divorced husband kept mortgage as long as I made payments which I have continued to do so. Divorced I got the house but mortgage stayed in ex husbands name ..I filed bankruptcy and they discharged ex husbands mortgage on the home.. Bank of America won’t fix it even though I am not on the loan . So ex ... Read More »

Scammers are Sending Me Debt Settlement Mailers. – Maria

stressed woman

“Dear Steve, I live in Texas and I am currently in debt of about 20K with two credit cards. My husband doesn’t know about my debt. I need advice regarding consolidation. I’ve been getting letters (at my mothers house, whose address I’ve never used for anything) saying they are reps of the govt and can cut my debt in half ... Read More »

Karger Consulting Group is Going to Contact Me to Eliminate My Debt. – Kay

It's all very odd.

“Dear Steve, Hi Steve, do you know anything about a Consumer Advocacy network that consists mainly of attorneys and are assisting in the settlement of unsecured debt? I was contacted by an individual who claimed to be with the network and told me that a representative from Karger Consulting Group would be contacting me. It all sounds good in that ... Read More »

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