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Ask The Get Out of Debt Experts

I Have Muscular Dystrophy and Overspent to Give My Kids a Good Life. – Stephanie

mother daughter

“Dear Steve, I bought a house 2 yrs ago for $168,470 and I owe $130,416.53 with an interest rate of 4.625%. My LTV is about 73%, based on a comparable home that sold for $178,000 a year ago in my subdivision. My home is new construction in an university town, where the market value is doing well. Here are the ... Read More »

MyPayDayRelief.com Keeps Calling Me. What About Kala Services? – Rhonda

payday loan

“Dear Steve, I have been getting calls from mypaydayrelief.com and was almost ready to begin the process for allowing them to help me but after reading all your info i am glad i did not fall for this scam. i have 4 pay day loans whom will want money effective friday the 1st of Feb i need a company a ... Read More »

I Screwed Up My Credit When I Was Younger. Now I Want to Buy a House. – Mark

yard

“Dear Steve, Steve, when I was 22 I signed up for a credit card and treated it like free money. I signed up for 2 more over the next few years and maxed them all out. I racked up 20k in debt and paid the credit card companies $100/card a month until I just got frustrated and behind and then ... Read More »

I Had a Walmart Credit Card I Forgot to Pay. It Hurt My Credit. – Estee

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, I have a bizarrely stupid question. I moved around a few times when I was in college, and I had (among other cards) a WalMart credit card with no balance. I never used it after I moved (I don’t live near a WalMart), and I just forgot about it. After one move, I even forgot to change the ... Read More »

I Got a Better Deal From My Creditor Than Through ClearOne Advantage. – John

Handshake with Money Sign

“Dear Steve, owe 11.800.00 maybe more since i have not paid them since loss or job about 4 months now clear one says they can get it down to about 7500 i have given clear one 250 for 4 months Currently enrolled in a ClearOne Advantage Program. Made approx. 4 payments. Clear one tells me I can settle my account ... Read More »

Single Mom Struggling to Make Ends Meet and Paying Off Debt. – Sam

future

“Dear Steve, I have 3 credit cards and an auto loan. One card was recently paid in full after being delinquent for a year. The 2nd one I have made payment arrangements with and will be paid in full as soon as my tax return is received. The 3rd and highest balance (approx $7000 with Wells Fargo), I have payment ... Read More »

Is the First Solution Loan Program from First National Bank of Omaha a Good Idea?

Bank

“Dear Steve, I am trying to get out of debt and at the sametime trying to figure out what will be a better way. I have about $9.9k in credit cards debt, 2 car loans (~$19k) and a personal loan with $4200 left. I am making all my payments on time and always paying my cards more than the minimum, ... Read More »

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 »

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