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Ask The Get Out of Debt Experts

I’m Trying to Refinance My Car Payment But I’ve Got a Lot of Late Pays. – Venkata

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“Dear Steve, I got a score of 686 in credit karma. I often made late payments for many months for my car loan as I am lost in my work. Later I automated the payments before due date. I bought Hyundai Elantra 2012 in Aug 2012. My APR is 5.9% . I wanted to refinace the car with lower APR ... Read More »

Most Lawsuits for Credit Card Debt Are Flawed and Defective. Fight Back And You Could Win.

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Thanks to Jessica Silver-Greenberg from the New York Times we get a great look inside the credit card lawsuits that are rolling out today, and they reek. Judges interviewed for the piece say that if consumers actually appeared in court, they might actually win many of these suits because the debt buyers suing can’t actually prove the debt is valid. ... Read More »

I Live in NYC And have Great Anxiety About My Debt. – Jessica

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“Dear Steve, In the scheme of things, my situation is probably not as bad as others but it still calls me great anxiety. I’m 25 years old with a 50k income and 10,000 debt on one credit card. I live in NYC and have an expensive rent. I was hoping you could help me figure out the best way to ... Read More »

Able Debt Settlement Vanished On Me. Where Did They Go? – Rebecca

“Dear Steve, i have worked with able debt settlement, based out of irving, tx for the last 2 years. they have helped me settle 2 out of 6 accounts. now that i have paid all their ‘service fees’ i cannot seem to get a hold of them – no response to phone calls or emails. i just filed a complaint ... Read More »

My Disabled Son is Being Called by Collections for a Wheelchair. – Kathryn

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“Dear Steve, My son is 27, disabled at birth cerebral palsy, stays at home, doesn’t work, no SSI, grandfathered on exhusbands health ins thru school system,, all EOB information goes to their address, ordered wheelchair 3.0 years ago, insurance paid medical co. as a provider, ordered self propelled wheels insurance denied payment, found out by a collection agency who called ... Read More »

How Do We Get an Old Lien That We Paid Cleared Against Our Home? – Julie

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“Dear Steve, We recently applied to refinance hoping to get a lower rate. They thought they could save us about $600 to $700 a month on payments. We have 2 mortgages and about $75000 in credit card debt and my 15 year old car has been deemed illegal to drive, so I need to purchase a vehicle. Our credit rating ... Read More »

My Daughter Owes Three Times As Much as Her Sallie Mae Loans Started Out Being. – Robin

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“Dear Steve, My daughter, Robin, graduated from college in 1990 and owed $40,000 in student loans. She consolidated all of her loans with Sallie Mae. Due to difficult circumstances, she defaulted and did not pay for some time. A large amount of interest and fees were added to her debt with them and she ended up owing over $125,000. She ... Read More »

I Didn’t Get Paid and Have a Lot of Business Debt as a Result. – Alex

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“Dear Steve, I am a small business owner and last year I didn’t get paid for one of the project we were working, generating a debt of 180k liable to my business. I have a lawyer working on my case, but it may take a while till all this is solved. I had to let go all my employees in ... Read More »

How Can I Consolidate My Credit Cards and Get My UK Credit Report From the USA? – Jay

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“Dear Jon, I am right now in usa for the last 3 years. Have several Credit Cards in UK. From Barclaycard to MBNA. Have never missed a payment. Need to take all high interest credit cards & transfer to a lower rate card. Please advise. Also need to get a copy of my UK credit report on line. What are ... Read More »

I Am the Guarantor for My Daughter’s Car in the UK and She Can’t Pay. – Marie

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“Dear Jon, I went guardtor for my daughter for car and she cant pay for it as her circumstances have changed she had a baby and only works partime gets about 400 a month car is 293 amonth she has made agreement to lower payment but stopped paying now i am resposible but i have mobility car so i dont ... Read More »

Will Natwest and O2 Arrest Me When I Return to the UK? – Jed

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“Dear Jon, I have a credit card debt from Natwest less than £500 as well as an O2 bill. I left the country a bit more than three years ago. I didnt receive any phone call or letter from them for the fact that i was no longer in the UK. Now i’m going back for a visit. Would I ... Read More »

I’m a Victim of Sallie Mae Loan Fraud. What Can I Do? – Randal

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“Dear Steve, Around 6-7 years ago, I cosigned a Sallie Mae loan for my roomate in the amount of $15K and a second one for around $3K. In 2006, I broke off communication with him as he moved back to the UK due to not getting a job in the US. Well, there’s been times that sallie mae has contacted ... Read More »

What Program Can I Use to Lower the Amount I Owe On My Mortgage? – Rich

“Dear Steve, I have a home mortgage that was modified at very favorable rates. However, in order to motivate IndyMac my attorney told me to stop paying the original mortgage (my income, self-employed was tanking) and they would be more amenable when I made my HAMP application. My original amount on which I was paying was about $275,000. I was ... Read More »

Should I Take Out a Home Equity Credit Line to Pay Off My Credit Card Debt? – Joni

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“Dear Steve, Credit card debt about 30,000. I contacted you before but my computer crashed and I can’t locate your email. Own a home, never late on mortgage, pays credit cards on time. Interest rates are so high I’ll never catch up. I’m thinking on a home equity credit line to clear up this debt since its impossible to clear ... Read More »

I’m With World Law Group, Been Sued, And Just Had My Bank Account Levied. – Mary

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“Dear Steve, A little over 2 years ago, I lost my job, had no income for a few months, I was already behind on most of my “credit” bills, and some went into collections. I started getting those “threatening” calls from the collection agencies, when all the sudden I recieved this program statement in the mail for World Law Group. ... Read More »

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