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Ask The Get Out of Debt Experts

How Do I Get My Money Back from Professional Debt Consultants, Philip DiVirglio and Henry Conerly? – Dolores

fist

“Dear Steve, You may or may not remember me , I contacted you some time ago about Professional Debt Consultants, Philip DiVirglio and Henry Conerly. They collected their fees up front, lied to a number of entities in reference to a complaint I had filed with them (Fla BBB) that he had performed his services as contracted, which was just ... Read More »

Can We Offer Creditors a Little Bit Each Month to Hold Them Off? – Paige

closeup of a gavel on cash, from above

“Dear Steve, My husband is 67 and retired. He is on social security only but was working part time before he became ill. He is under a doctors care and will probably have to have surgery in a few months. He received a summons from a law firm representing Capital one credit cardthat for $5000. He is due in court ... Read More »

Income Reduced by Half Due to Unemployment and Creditors are Taking Legal Action. – Jackie

tired working woman

“Dear Steve, I have a few credit card that I am behind on payments,one is about to take legal action against me,Spouse have been unemployed since 2008,unemployment ran out in 2009,unable to find full time work. Have been able to get some temp work through temp employment agencies,only feww weeks at a time.Decrease in household income–50%. where can I locate ... Read More »

How Can I Consolidate My Sallie Mae Private Student Loan Debt? – Laura

Student Loan Corkboard Concept

“Dear Steve, I recently graduated from Mass College of Pharmacy with a Doctorate of Pharmacy and a butt load of student debt. I owe Sallie Mae around 157,000 and the federal government 87,000. My monthly payments are 3.000 a month which is more then half of what I make. I can’t find a company that is willing to consolidate my ... Read More »

Is World Law Direct a Scam or a Real Program? – Debra

Speech Bubble - Q&A

“Dear Steve, I keep receiving emails and phone calls from world law direct. This Sr Financial Consultant, Louis Comolli, tells me he can negotiate with my creditors and lower my payments so that I am no longer paying interest on my credit cards. He would take a payment from me each month and put the money into an escrow account ... Read More »

My Husband Just Died and Now I Have an Unaffordable Mortgage and Bills. – Phyllis

Isolated wings

“Dear Steve, Four years ago my husband had a stroke and was unable to work. we have gone thru all our money to stay in the house. my husband just died and now no soc sec check. tried loan mod and was turned down and said I did not send in what was ask for .I told amber that was ... Read More »

How Do I Deal With a Loan Taken Out in Poland When The Person Ran to the UK? – Kasia

poland

“Dear Jon, I am wondering if there is a way to repay debt which was taken out in Poland and person who has borrowed the money run away and currently is living in England. Is there any way to get money back? Kasia” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of ... Read More »

Can My UK Lender Repossess My Car Even Though the Guarantor and Log Book Are Not in My Name? – Roy

uk

“Dear Jon, One family member is Guarantor for a 5 yr car finance deal for my sister, but the log book is in my sister’s name, there is one more year to pay the finance off, but the Guarantor has got into financial difficulty, possible Bankrupcy at the next stage, my sister is worried that the car will be re-possessed ... Read More »

I’ve Been Jailed Because of My Debts in Dubai. – Maniraj

dubai

“Dear Jon, I was working in a good company in Dubai and took a personal loan and had a credit card from the bank.suddenly during the 2008 recession my company dealing with construction industry had to down size as a result i lost my job i had just taken the loan and managed to pay inspite of the job loss ... Read More »

I Inherited Some Money But Unemployed. The Money is About Gone and Left In Debt. – Jane

Road to Recovery Sign

“Dear Steve, I have been unemployed since 2010. I had inherited some money when my father passed away in 2005 and was able to continue meeting my needs and paying my bills. Unfortunately because of emotional issues, I really did not have a good grasp of the kind of money I was spending. I was able to renegotiate my mortgage ... Read More »

LGR Consulting Told Me I Could Get a Loan to Pay Off My Debt and Then Switched Into a Debt Settlement Program With Pinnacle Law Group. – John

odd

“Dear Steve, I was contacted by a company LGR Consulting in NY. They were offering me a loan to specifically consolidate my credit card debt. For some odd reason I provided my credit card information. They did not approve they loan as I expected but did direct me to a law firm Pinnacle Law Group. They then wanted to do ... Read More »

I’m Judgment Proof But They Keep Trying to Sue Me. – Anita

closeup of a gavel on cash, from above

“Dear Steve, went judgement proof in 2008, haven’t had no problems till lately. within the month a process server came to serve legal papers but I am in a wheelchair and did not get to door before he left he will be back….in 2009 i reicieved a default judgement in the mail, now they are comingto my home. I am ... Read More »

My Elderly Father is Going to Move in With Us But He’s Got Debt. – TJ

math

“Dear Steve, My mother passed away Aug. 2012. My parents were married nearly 63 years. Their budget was based upon both their retirement incomes. After severely cutting monthly expenses we still find that keeping the house (along with utilities to live there) leaves him with absolutely nothing left over each month.We also have medical expenses we are trying to satisfy ... Read More »

I Got a Title Loan from Title Max But My Car is Broken Now. – Kiara

tow truck

“Dear Steve, In october of 2012, I obtained a title loan to assist me with repairing my vehicle because the transmission was going bad. I ended up getting about $600 and ended up repairing it with no problem. Then in november, i was laid off and the car started having issues again. I ended up homeless with a broken car ... Read More »

How Do I Deal With My Old Debt I Owe? – Sarah

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, I am looking to improve my credit score which is around 600 now. I currently have a judgement against me that I am working to settle on, but I have credit card and medical debt that is also hurting my credit. Some of my debt is over 7 years old, and I am going to write the credit ... Read More »

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