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Ask The Get Out of Debt Experts

My Elderly Neighbor is Getting Debited by a Debt Collection Company. – Ann

Elder Care

“Dear Steve, I am helping a 78 year old neighbor with diminished capacity get settled into an extended-care facility, and noticed that there is an amount of $99.02 starting to come out of her bank account paid to a JJD Collections LLC in California. Her social security is $675 a month, and her section 8 rent amount is $515.15, and ... Read More »

What Debt Relief Company Can I Trust? – Dana

Portrait of beautiful young sexy woman

“Dear Steve, Credit card debt of 30,000.00 and 3 accounts are delinquent…..don’t want to ruin my husbands credit by getting into a debt relief company, he also is in debt for 30,000.00 no delinquencies….. I hope u can help me find a company to pay off my debt and be free of it, non profit organizations monthly payment is to ... Read More »

Our Income Dropped. Is Debt Settlement The Way to Go? – Kim

black-hole

“Dear Steve, Our financial situation has totally changed in the last 3 years. We are making 15-20K less a year and our expenses have increased. We currently have about 39k in credit card debt. We are no longer able to pay even our minimum payments as well as all other househould bills. We are thinking of doing debt settlement, but ... Read More »

I Have a Repossession on My Credit Report. How Should I Deal With It? – John

car broken

“Dear Steve, Car was turned over for voluntary repossession in 2010 due to engine failure and inabilty to continue making payments on a car that would not run. Not scheduled to come off credit report until 2017. Balance is approximately $8300 on the loan. Original loan amount was around $15,500 from 2006. Should I attempt to settle this amount? Should ... Read More »

Why Do People Think Bankruptcy Gives You a Fresh Start? – Jeronell

Bankruptcy Road Sign

“Dear Steve, Separated from my husband. we filed bankrupt separately because we lived at different addresses. he filed a chapter 7 and was done i filed a chapter 13 supposively because of income and it has been a nightmare. I was left with the responsiblity of paying all the bills. we surrendered our house in the bankrupt. i had two ... Read More »

Is Preferred Financial Services Okay to Relieve My Debt? – Tina

Woman in home office with computer and paperwork frowning

“Dear Steve, I want to trust someone to help me get out of debt and a young lady suggested preferred financial sevices. She says they really helped her. Is this site okay to relieve my debt situation. I do have other every day bills. phone (comcast triple) its basic. Insurance hm and car. Car is paid off. Rent. tracfone $25 ... Read More »

I’m Paying a Credit Repair Company to Erase My HELOC Deficiency. – Jim

eraser and word bad credit

“Dear Steve, I went thru a divorce in 2009/2010. I moved out of our main home in 2009 and even though I was giving my ex money to pay the house and home equity loan she did not do that. Anyways, the home was short saled in Oct 2010 and the Chase Home equity was charged off in Nov 2010. ... Read More »

Prime Legal Experts is Supposed to be Helping Us Get Out of Debt

hiding

“Dear Steve, I paid Prime Legal Experts 106.00for two of us and 350.00on first of month and 250.00aftet that for two more months help me out this is the third company geting me out of dept 800.and 800. And now 900 please help me now I’m trying to get out of my time shares I’m going bankrupt” Don’t miss our ... Read More »

I Moved to the UK From Canada But Left Debt Behind. – Anna

canada

“Dear Jon, I moved to the uk from Canada to work. lived there for nine years. year and half ago dad died suddenly and moved back to Canada to help support mom. I want to go back to the uk to just visit friends for two weeks. when I arrive is there any chance custome/immigration will stop me from entering ... Read More »

I Tried Cockburn & Associates But Should I File Bankruptcy in Canada? – Cris

Man in the field

“Dear Steve, I was self employed for a number of years operating in all cash. The work dried up a couple years ago and I finally gave up on it in Feb 2012. So for a good year I was living beyond my means holding out hope but it was all for naught. I moved to a different city for ... Read More »

How Can I Refinance My Mortgage With Chase? – Mark

Real Estate Concept

“Dear Steve, Mortgage is not supported by Fannie or Freddie. Was “self” funded by Washington Mutual (original lender). Now mortgage is held by Chase. Rate is 5.75. Any way to refinance. Does not seem any “Obama plan” is applicable because of non-Fannie or Freddie support. Mortgage Modification? I received same notification from S C Law Firm that you have been ... Read More »

Davenport Law Vanished On Me. What Do I Do Now? – Alex

detective

“Dear Steve, I have been using davenport law for almost 2 years now making a monthly payment of 148.79 to them. As per my contract it says that my payments are for 48 months in order to settle my 9,880.00 in debt. Recently I have not been able to get a hold of them, and I am starting to wonder ... Read More »

Should I Wait to Rebuild My Credit or Start Now? – Renee

credit good

“Dear Steve, I’m 36 and I got credit cards for the first time at age 27 in 2004. I had pretty low limits, 1,000 or less on the 3. I lost the security of my job and got behind on payments, then eventually stopped paying and everything went to collections in 2007. I’ve managed to pay off all my student ... Read More »

Bank of America Says I Can Opt Out of My Debt Settlement. – Eric

emergency exit

“Dear Steve, I am in an debt settlement program and have negotiated a settlement with a creditor Band of America. I have a question for you concerning a settlement agreement that I have with BOA. In the Settlement letter is says “As required by federal law we will honor you opt out request with in 30 days.” Does this mean ... Read More »

I’m Way Deep in Debt But Signed for My Husband’s Line of Business Credit. – Carolyn

couple working

“Dear Steve, I am self employed, and my husband is a partner in his own business, both of which were majorly affected by the recession; our incomes fell almost 80%. I spent way too much time and money trying to keep my employees and office before shutting it all down and now work by myself from home. My husbands business ... Read More »

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