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Ask The Get Out of Debt Experts

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 »

I Send My Credit Card Companies What I Can Afford to But They Say It’s Not Enough. – Dorene

contemplate

“Dear Steve, Over 2 years ago I lost my job. A month later I got another job, it was part time but worked out to become full time. The pay I receive now is $150.00 less a week than what I was receiving from my previous job. My ex-husbands health is not good so I am not receiving allimony any ... Read More »

I’m in Dire Need of a Debt Consolidation Loan. Lending Club Turned Me Down. – Kevin

Military

“Dear Steve, I am in dire need of a debt consilidation loan. I applied with Lending Club and did not get approved due to my credit score. I am in the military and im able to afford a consilidated payment i just need to be approved. Do you have any advice what so ever? Kevin” Don’t miss our free Get ... Read More »

Are New Vision Relief Center and New Horizon Debt Solutions Legitimate Companies? – Jannina

Loan Modification Green Road Sign with dramatic clouds and sky.

“Dear Steve, Trying to get a modification on my present home and also to settle 30k on credit cards debts. I am the only one working in my household my 67 yr husband can not find a job after he was forced retirement and my 18 yrs son who just graduate from high school are not able to find a ... Read More »

I Just Can’t Seem to Stop Spending Money. – Chase

radar

“Dear Steve, Hi, a little about me. I am 29 years old separated from my former fiancĂ© who is also the mother of our 5 yr old awesome daughter. We owned a condo together which I gave her and moved in with my mother :( so I am saving money there but I just can’t seem to stop spending money ... Read More »

Capital One Collector is Threatening to Sue Me. – Becky

medical-bills

“Dear Steve, I have a credit card debt with capital one. I havent heard from them in over 8 yrs…a Collection agency called today and asked Me questions…if i worked last yr…am i Getting a refund. Etc. He said he is going For a judgement against me. Can the garnish my wages? Can they take Money from cking acct? I ... Read More »

Modification Review Board Wants to Sell Me Advance Fee Loan Modification Help. – Danielle

Screen Shot 2013-02-20 at 5.52.33 PM

“Dear Steve, I have been looking into the Making Home Affordable Program. I found some companies offering assistance and asked for call backs. I have also been reading some of what they are allowed to do, not do, offer or not offer. I got a call back today from “the Modification Review Board.” I am writing you tonight after seeing ... Read More »

Is DDS Debt Defense Services a Legal and Legitimate Company? – Martineau.

Magnifying Glass - Q&A

“Dear Steve, My wife and I are in a difficult financial situation. We ride to file bankruptcy in the past, but that didn’t work out for us, but we consider a debt consolidation or dispute. However we were contacted by the DDS for services, before we sign any agreement with them , we want to make sure the company ” ... Read More »

American Loan Corporation Wants Me to Get a MoneyPak Green Dot Card First.

no bullshit

“Dear Steve, American Loan Corporation is offering me a loan. But they are requiring me to use a Green Dot Money Pak to send money to show I am able to make the payments on the loan. They say the money sent by way of the Money Pak will be refunded Is this a rip off or for real. they ... Read More »

How Do I Settle My Capital One Judgment? – Karen

Handshake with Money Sign

“Dear Steve, I have a capitol one judgement against me from 2007. At that time it was 1685 now its 3780 with interest and court costs. I want to settle with a one time payment but they want alot of personnal info to see if I qualify for a discount. Can they charge interest on a judgement? court costs? What ... Read More »

I Was in a Debt Settlement Program and Was Sued by a Creditor and Never Knew It. – Elizabeth

surprise

“Dear Steve, I thought I was so close to closing the chapter in my life from the past full of debt. Then I recently learned of something else that came to light as a total shock! I have lived in Michigan for the past 2 years after living in Washington DC for 2.5 years before that. Prior to DC, I ... Read More »

How Do I Begin to Negotiate Debt Settlements With Allied Interstate for Student Loans?

signing

“Dear Steve, Defaulted student loans. 5 in all dating back to 1988. have consolidated before but took out 3 while attending ASU between 2003-2005. I only have borrowed approx. 25,000 total with my student loans. With the consolidations it doesnt show this but says my principle is 42000 and total owed is 72000 with 10000 coming from allied interstate. My ... Read More »

We Went With Fast Track Debt Relief, Also Known as Credit Advocates. – Suzanne

worried

“Dear Steve, Awhile back I was doing research for a debt solution program. I found your website and if I’m not mistaken you gave a good review of Fast Track Debt Relief. I was so happy to read this. So I spoke to my husband about it and I called this company and enrolled in their program. Since enrolled in ... Read More »

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