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Ask The Get Out of Debt Experts

I’m a Client of a Debt Settlement Company in Canada But Debt Collectors Are Still Calling Me. – John

“Dear Steve, Debt settlement company in Canada send a power of attorney via fax to a collection agency, and I am still receiving phone calls as they stated that the debt settlement company is not a lawyer If you hire a debt settlement company in Canada and they forward a power of attorney to the collection agency, does that agency ... Read More »

I’m Living in South Africa and Traveling to the U.S. But Have Unpaid NatWest UK Debts. Will I be Arrested at Heathrow? – Warren

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“Dear Jon, I was living in London in 2004/2005 on a 2 year working holiday visa. I left to come back to South Africa and never closed my Natwest Account or cancelled my vodafone contract (the guy on the customer service line said I can just let the contract run out, it was for 18 months, but he was misled ... Read More »

How Long Will I Have to Go to Jail in the UAE for My Bad Debts? – Darran

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“Dear Steve, I have bank loan and cc debt in UAE what is the policy of I dont pay and surrender myself to the jail?how long? And what happens to my debt after that? And would be allowed in the country again to come back did the UAE not putting me ban in Dubai?and also if ever I settled my ... Read More »

Should I Use Ticktin Law Group? – Robert

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“Dear Steve, There is a major concern about the legal owner of the note that is held on my property due to the robo signing scandal. My loan taken out in 2002 was with Bank United in Miami Fl: it was I (believe) sold to BOA? I now understand that note is now with Wells Fargo ? Ticton law group ... Read More »

StepChange Debt Charity to Become Sexy New Name for Consumer Credit Counselling Service UK

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According to news reports, CCCS of the UK, which is not affiliated with CCCS in the U.S. has decided to change their name from Consumer Credit Counselling Service to StepChange. This trademark for StepChange was filed by Foundation for Credit Counselling. On 1 June 2012 this trademark application was filed and on 17 August 2012 the acceptance of this trademark ... Read More »

Load Me Up on Payday Loans Say Some UK Residents

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Consumer Credit Counselling Service of the UK is reporting they are seeing more people with multiple payday loans who are contacting them for help. So far in 2012 they say about 2,000 clients have contacted them with five or more payday loans. The numbers got higher, 173 had ten or more as compared to 42 in 2009. With purse strings ... Read More »

I Signed Up for Debt Settlement With Davenport Law. Now They Are Talking a Chapter 13 Bankruptcy. – Alfonso

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“Dear Steve, I owe about $10,000.00 of credit card debt. I have made arrangements with settlement companies on a couple of them and they appeared on my credit report. I signed up for assistance with Davenport Law out of Dallas, TX, and have been paying $40 monthly fees for about 4 years now. I was recently contacted by a legal ... Read More »

The Bank Won’t Modify Our Second Mortgage After a Job Loss. – Laura

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“Dear Steve, I am on disability. My husband lost his job in July. We are living on disability and unemployment checks and have a greatly diminished income. Our bank, Wells Fargo, will not work with us on loan modification. We have a primary loan of $315K at 2.85%. Our second mortgage is for about $66K and is at 8.19%. We ... Read More »

I Owe Money in the UK and Live in the USA. Creditors Are Harassing My Parents. – Jason

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“Dear Jon, Owe money in the UK, left the UK about 6 years ago to live in USA. When i first moved to the USA i was getting calls and letters from creditors from the UK, it has almost stopped with there calls until now they have started sending mail to my parents addres in the UK. I have asked ... Read More »

Would Bankruptcy Be An Option for My 70 Year Old parents? – Lauri

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“Dear Steve, My parents are 71 and 73 and still working full time. My Dad had a gambling problem and has put them in debt with credit cards. My mom has been sending the minimum on most and more on others but the interst is killing them. They are both in poor health and would like to retire this Dec ... Read More »

Sallie Mae and American Education Services Generate Most Student Loan Complaints

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A report out today from the Consumer Financial Protection Bureau outline the major problems facing American’s today when it comes to dealing with private student loans. Not surprisingly, Sallie Mae tops the list of most complained about student loan company, with 46 percent of all private student loan complaints. American Education Services (PHEAA) was a distant second. And while those ... Read More »

Will My Mortgage Company Force Me Into Bankruptcy? – Dena

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“Dear Steve, I divorced last January. My house had 3 liens from my x-husband’s company so I chose not to keep the house but to let it go into foreclosure (he filed bankruptcy). The house had 2 loans, one for $140,000 and a junior for $35,000. The house went to auction this last August which covered the first loan. The ... Read More »

Can I Just Pay Sallie Mae What I Can Afford To? – Kate

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“Dear Steve, I will not lament about Sallie Mae; I think we all know how crooked they are. My question is: I owe around 58k and have recently applied for Income Repayment Sensitivity. They have responded with letting me know my payments will be just under 15% of my disposable income. This is too high of a payment. My main ... Read More »

Is It True That Sallie Mae Loans Have to be Forgiven After 10 Years? – Lynn

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“Dear Steve, I’m trying to help out my son and his wife. They initially borrowed 64k from Sallie Mae for Student Loans. I believe it was a priviate loan. Through eight years and a couple of consolidations; they are still in trouble paying back the loan. They have tried to keep up on payments but haven’t always. They are seriously ... Read More »

Pakistani Woman Owes Me Money in Dubai. – Nava

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“Dear Steve, Hi! I am an Indian, I was running a partnership trading company in Dubai. My partner is from Pakistani (lady). In some situation i found her fraudulent activities in the business, so i suddenly closed my company with certain conditions. And I received a personal cheque from Pakistani partner for withdrawing my shares. I have given her much ... Read More »

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