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Ask The Get Out of Debt Experts

It’s Been So Long. Do We Still Owe the IRS? – Sam

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“Dear Jim, The IRS is still trying to collect $15,000 from 2000. We were in Chapter 13 in ’08-’10 and the BK was DISMISSED in Dec. ’10. In Oct. of 2011 we began making monthly payments of $50. These payments are toward the $15,000 and $640.00 assesed for 2009. Do we still owe the $15k? We entered the agreement AFTER ... Read More »

My Husband Died Recently. How Should I File My Taxes? – Theresa

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“Dear Jim, My husband dies 2 months ago. He didn’t have life insurance. His pension stop & I work so I won’t get SS. We didn’t have taxes taken out of his pension or SS. We paid it when we filed. We have 2 daughters 1 14 & the other 18 and started college. How should I file my taxes? ... Read More »

We Have Our Chapter 13 Meeting With Creditors But My Spouse Can’t Be There. – Nicole

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“Dear Steve, Filed a joint chapter 13 Our creditors meeting is in a couple days, my spouse Had to go Out of town & can’t make it, can I just go by myself Nicole” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help ... Read More »

Can I Move to Australia and Get Married if I Have a Delinquent Private Student Loan? – Mike

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“Dear Steve, private student loan debit took out – and never went to school for 2 reasons. One had major issues with the school it’s self. I got a private student loan (thanks to Grandpa co-sign) which was to cover school, room/board, and all other related cost. Bags packed ready to go on the road trip with the parents. Check ... Read More »

My Old College Says I Owe Them Some Money and Won’t Give Me My Transcript. – Crystal

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“Dear Steve, I attended a techinal type college 7 years ago and did not finish all my classes and got about 60 credits from them. My new school need my transcript and they wont release it due to now they say i owe them $877. When i left no one imformed me that i would be owing the schoold. I ... Read More »

I Want My Money Back for Mortgage Modification Charges. – Dudley

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“Dear Steve, In November of 2011 Phillips Law Frm contacetd us offering to to get a modification on our mortgage loan with Well Fargo(Lender). Coincidentally we received a mailing just a week or so after I had submiited an application to Wells Fargo asking for the modification. This mailing gave a reference # and asked us to call a 800 ... Read More »

How Can I Find Out Where My Charged Off Accounts Are Now? – Nicholas

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“Dear Steve, A bank account and a credit card debt that have been charged off. I had a checking account and a Credit line from Bank of America that have both been charged off (The bank account charged off a few months ago and the Credit almost a month ago). They the debt isn’t very much but now that they ... Read More »

I’m Deep in Debt and Previously Filed a Chapter 7 Bankruptcy. What Should I Do? – Juan

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“Dear Steve, I am in deep in debt with installment loan companies locally and 3 payday loan places. I owe a total of about $15,000 when combined. I am looking for a way out. I have previously filed for bankruptcy ch.7 and was thinking ch. 13 but the lawyer is charging $3500.00 to do this. Is debt settlement a good ... Read More »

I Settled Bank of America Account But Account Number on Letter Doesn’t Match Mine. – Mary

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“Dear Steve, I recently settled 2 of my credit cards with Bank of America. After they received my payments, they released 2 letters confirming that the accounts have been paid. I noticed they did not have my account numbers on the letters, instead they had 4 digit ending numbers that did not match mine. I called them and they said ... Read More »

I’m Sinking. What Debt Consolidation Company Should I Go With? – Kathie

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“Dear Steve, have about 30,000 in debt ,single parent, teacher, son with cancer dependent on me financially etc. Want to find a reputable debt consolidation company as im sinking . Who do you recommend as a debt consolidation company? Kathie” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads ... Read More »

I Left Dubai With Credit Card Debt 6 Years Ago. Now I’ve Been Contacted. – Benramdane

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“Dear Jon, I need some information’s because i’m very worried about this situation . I left Dubai in 2006 and had credit card debit . Since 6 years didn’t head any news. Until 8 days ago. Some office from Dubai contact my employer ask for my email cause i was in big trouble. Under panic i did contact the person ... Read More »

I’m Getting Ready to be a Nurse in Wyoming But Got a Big Collection Notice I Can’t Pay. – Kristie

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“Dear Steve, Hi my name is kristie I got a collections paper in the mail todayfor $3800. I’m a new mother and just finished my can schooling and took my state boards and now am waiting to be added to the wyoming state boards of nursing registry so I ca find a job at a hospital. I work a minimum ... Read More »

Can I Go Bankrupt in the UK Instead of Germany? – Eward

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“Dear Jon, Lived in Germany and had business which is goinging into bankruptcy next week owing 400.000 Eur. There are taxes and social costs outstanding and I will be liable for them so I will be forced into personal bankruptcy my lawyer says. I own a house jointly with my wife in Germany which has a mortgage and little equity. ... Read More »

I Went to Kartherine Gibbs School and They Suddenly Closed. How Can I Repay My Student Loan? – Christina

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“Dear Steve, In 2006 I made a loan with Sallie Mae to go to Kartherine Gibbs School in Norristown, PA. Around April 2007 my father got very ill and I had to discontinue with my education to help my father. My father’s wish was to die in his native land, so we packed up and moved to Puerto Rico. Once ... Read More »

Can I Keep My House But Discharge My Mortgage in Bankruptcy?

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“Dear Steve, I have $38,000.00 in credit card debt. I lost two jobs during the recession and took early social security at age 62 to survive. I barely pay the mortgage and necessary bills. I stopped paying all credit cards about three or so months ago. My house is approx $125,000. underwater. Because I got a loan modification a few ... Read More »

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