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Ask The Get Out of Debt Experts

Should I Talk to a Bankruptcy Lawyer Before Deciding What to Do? – Elle

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“Dear Steve, $50k in credit card debt Car loan Own my home A debt settlement company called me this evening explaining their program. They are telling me that using them only drops your credit score 50 points and once all the debts are paid 3 years from now your credit is back to good. They said they can settle my ... Read More »

    I Have Prostate Cancer and Trying to Get My Mortgage Modified? – Steve

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    “Dear Steve, We bought our current home as he market feel out from under us in 2007. In late 2006 we have 300-400K in equity in two homes. By the time we closed we one under water (eventual short sale) and one we made $22K on. Our $540K purchase was initially on a bridge loan as we sold these other ... Read More »

      Living in Republic of Ireland and Struggling to Make Property Payments. Will We Lose Our UK Property?

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      “Dear Jon, I lived in the Republic of ireland from 2000-2008. My husband and I purchased a property there in 2005. We are struggling to make the payments on this property as we have since bought a house in northern Ireland (where we have lived since 2008). My question is if we were to foreclose on the Republic of Ireland ... Read More »

        The IRS Payment Demands Are Crippling Us With Our Other Bills. What Can We Do?

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        “Dear Jim, Our employer (my husband and i worked for the same company for the past 5 years) took deductions for state and federal taxes totaling 11% instead of the usual 25% which we, unfortunately, caught too late. We are now on a payment plan for the states we owe (there are two since we relocated from one state to ... Read More »

          I’m Looking for Information on Liberty Credit Law. – Rick

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          “Dear Jon, Just retired after 36 years in education. Retirement income is half of previous income. My wife works in school system as well. Our health insurance has increased 300 fold. While we were both employed previously our insurance was just dollars a month. Now that she has picked me up it’s increased to 300 a check or 600 a ... Read More »

            The Developer in Ireland Has Gone Bankrupt in the UK. Can I Get My Money Back?

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            “Dear Steve, I am writing about a developer that owes me money for a property deal that was to take place in the Republic of Ireland. I have received a High Court judgement in Ireland, and the bill of costs (which were awarded against him) are just being drawn up. However; just recently the developer has been declared bankrupt in ... Read More »

              I’m Wondering is a Debt Consolidation Loan is a Good Idea to Pay Off My Debt. – Kristen

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              “Dear Steve, So a few years ago I got credit card happy and racked up high amounts of debt. I had help paying some of them and then paid a lot myself recently. After reviewing my credit report. I think I might have 1-3 credit cards to pay. I am wondering if a debt consolidation program would be good for ... Read More »

                I Moved and My New Electric and Gas Companies Found an Old Utility Bill From 17 Years Ago. – Adam

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                “Dear Steve, I recently moved to an area where I had to change utility companies. When I set up my utility services for my new address I was notified that I had a high balance with both the electric and gas companies from a previous address I lived at 17 years ago. What is the statute of limitations for old ... Read More »

                  I’m Back Visiting Dubai and a Lawyer Called About an Old Debt. Should I Leave the UAE?

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                  “Dear Steve, I used to live in dubai and i have a loan its been now 3 years i didnt hear from the bank now i live in the us and i am visiting my country for 3 months out of nowhere i got a call from a lawyer here and told me that i have to pay the amount ... Read More »

                    My Lender is Taking a Long Time on My Loan Modification. – Tenaz

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                    “Dear Steve, I still have issue with my Home lender because is taking such long time to get Loan Modification for almost One year and 8 months.Now recently in California has passed several bills protecting the Home owner.I believe I have strong case,I’m looking for a Legal representation in contingency basis. Please Steve If you can refer me anyone I’d ... Read More »

                      Trinity Debt Management Was Recommended at a Church Meeting. Are They Legit? – Theresa

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                      “Dear Steve, My cousin has a credit card with Best Buy, it has a very high interest rate and she wants to lower it. She has gone to one of her church meetings and this company (Trinity Debt Management ) was recommended to her. Is this a reliable business? It seems to me that they charge her a fee of ... Read More »

                        My Tax Assessed Value Dropped and My Lender Won’t Modify My Mortgage. – Michael

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                        “Dear Steve, First and foremost I would like to thank you for all of the advice and help that you offer on your website. I feel very fortunate to have stumbled upon it while doing a Google search, and applaude you for offering your feedback free of charge. My situation is as follows… I bought my townhouse a little over ... Read More »

                          Sallie Mae Student Loan Discharged Under Bankruptcy But I’m Paying It. – Lori

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                          “Dear Steve, Here is a copy of my credit report.it says discharged and then says under creditors comments debt being paid by insurance..that is false i have been paying on this..what do i do Lori” 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 ... Read More »

                            My Mum Took Credit Cards Out in My Name When I Was in Prison in the UK. – Bridget

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                            “Dear Jon, I come from a difficult background and my mum is the person who took various cards out in my name, while i was in prison! She says it’s because she was struggling with her five year old son and was struggling to make her way up to see me on prison visits etc! Which I don’t find good ... Read More »

                              What Do I Need to Do to Get an Old Delinquent Item Off My Credit Report? – Shelley

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                              “Dear Steve, Working on paying off some old debts. Also trying to repair my credit. Can a old debt that has been charged off and the statue of limitation has past, can be reported by a collection agency as new on my credit report. How do i go about getting this removed from my credit report. Shelley” Don’t miss our ... Read More »

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