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Ask The Get Out of Debt Experts

I Need to Walk Away From My Old House in a Crime Ridden Area. What About My HELOC? – Lynn

crime scene

“Dear Steve, First let me tell you Your site is so helpful and informative. A great service.Thank You I hope you can give me an answer, there are so many different opinions about this, but I trust yours. Live in NYS,went bankrubpt 2010,chap 7 discharge,no reafirm on mortgage. Heloc only 48000, no first. Have made all payments since. Things have ... Read More »

Is the Real Estate Law Center Really a Scam or Not?

Searching-right

“Dear Steve, Investigating The Real Estate Law Center-I have been in contact with a representitive and passed along information, I am leary of course to send any money with out seeing some non-bias or indpendant results. I see a few responses regarding Real Estate Law Center as a scam, but nothing is definitive as to whether or not they are ... Read More »

My Mother Took Out Loans to Pay for My Education. I Can’t Afford to Pay. – Jasmine

College Tuition Expenses

“Dear Steve, My mother took out loans to fund my education with the best intentions in the world. Unfortunately because of some medical and educational setbacks, it took me 6 years to graduate and I’m sitting on around 100K in student loans, not sure how much is private and how much is federal :( After graduation I was laid off ... Read More »

I Filed Bankruptcy With Macey Bankruptcy Law and They Told Me Not to Pay My Mortgage. – Aubrey

qa7

“Dear Steve, I filed bankruptcy with Macey Bankruptcy Law, in September 2012, at the time my mortgage payment was current, I was told not to pay my Sept 2012 mortgage until further notice. I received a call form my mortgage company attorney at the end of October 2012, informing me that a letter was sent to my attorney office for ... Read More »

A Collection Company Bought an Old Payday Loan I Owed. They Are Threatening Me. – Ian

angry caller

“Dear Steve, an old pay day loan of 600.00 which i did not pay was bougth by a 3rd party collection bcm they called me and said they had court papers to delive but icould pay them 1200.00 and they would cancel them they taped me saying that i owed the debt and to pay payments to them if i ... Read More »

I Have Several Payday Loans I Can’t Afford to Pay. What Company Should I Use? – Myma

payday loan

“Dear Steve, several payday loans, cannot make house payments at this point. I know I have not been very respoisble but need help what company is legit to use to help do settlements with these companies? I want to pay them just need to reduce the payments so I can pay my other bills. Please help I dont want to ... Read More »

I Signed Up With Freedom Debt Relief and it Feels Like the Wrong Choice Now. – Jim

dog running

“Dear Steve, i’m about $38,000 in credit card debt as a result of a divorce and an stupid lifestyle. I signed up with Freedom Debt Relief and after almost 4 months it feels like the wrong thing to do esp. after reading that some banks won’t deal with them and you end up in a bigger hole than what you ... Read More »

I Was Going to Sign Up for Freedom Debt Relief But Should I Tackle It On My Own? – Jim

signing

“Dear Steve, Was ready to go over the falls and begin missing payments and signed up with Freedom Debt Relief. Nothing has gone wrong yet but i read the “fine” print and did a little research to find that this company is involved in class action suits in Colorado, California, Illinois and who know where else and an investigation in ... Read More »

We Offer Free Legal Advice in Miami. A Client is Being Garnished.

closeup of a gavel on cash, from above

“Dear Steve, I am a clerk working for a Miami-based firm that offers free legal advice to indigent clients. I had a heart-wrenching moment today when a single mom walked into my office. 25% of her wages are being garnished even though she is head of household and has just about zero disposable income. None of her wages would be ... Read More »

I Have Bad Credit and Want to Settle My Debt But Can’t Get a Loan. – Andrew

magnifying glass and a Denied credit application form

“Dear Steve, My name is Andrew and I need help. I used to be really good at budgeting and saving money. At age 20 I had $7000.00 in the bank and a credit score of over 750. I screwed up really bad. Most was my fault but some was not. I lost my job due to the economy back in ... Read More »

Lloyd Ward & Associates Stopped Taking Money From Our Account. – Sue

confused man

“Dear Steve, I have been a client of Lloyd Ward Assoc. for a few years and am finally getting to the end of my debts. We have around $895.00 taken out of our account (personal bank) monthly to pay off our various debtors. We calculate that we will satisfy everyone by this March. This month, no monies were taken from ... Read More »

We Have Great Credit But Want to Take Money From IRAs to Pay Down Debt. – Doris

robbery

“Dear Steve, 48 year old female, married, 1 child 14 years olds in 9th grade – college bound. 11 years at job with vested pension, Roth and traditional IRA’s, home owner – 174,000.00 at 6% (fixed VA) monthly payment with taxes and insurance – 1507.00, 800 credit scores, 2 cars financed at 2.5% totaling – $40,000.00, 16 years before retirement, ... Read More »

I Don’t Think Relief LLC is Doing Their Job Eliminating My Payday Loans. – Robert

White Collar Criminal

“Dear Steve, I don’t think Relief LLC is doing their job . My contact mrs Molly is suppose to take care of these pay day loans I have. But they sure take their money from me like clock work but by them not doing handling these pay day loan companies I have to pay one the companies ez cash a1000.00 ... Read More »

How Can I Best Avoid Paying Taxes Using the Accepted for Value Process? – Steve

no bullshit

“Dear Steve, In looking for relief of the burdin of paying taxes on income I have been reading the UCC-1, Accepted For Value,The Law Of Nations, as well as web sites and there is one inparticular educationcenter2000. Mr. Rhode through all of your vast knowlege of studies have you ever found away to avoid paying taxes on income by using ... Read More »

I Owed RC Willey But Had to Quit Paying Them. – John

classified

“Dear Steve, I owed R.C.Wiley $12k + had a medical situation happen and quite paying them and paid the medical . Big mistake ! Anyway they turned it over to collection law firm. I have been making quaterly payments on the $12K for 2 years and have paid the law firm over . The original amount was $8,950 but the ... Read More »

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