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Reader Questions

How Do I Know if a Threatening Debt Collector Call is Legit? – Kim

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How do you know if a threatening call is legit? Today I received a phone cal from a person with a India accent stating that if we did did not return the call would would “have to face the consequences” but no company name was give and when I tryed to look up the number (661-532-8208) and was listed as ... Read More »

I’m Disabled. My Husband Left Me With All the Credit Cards in My Name. – Jenell

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My X-HUSBAND HAS LEFT ME AND ALSO LEFT ME WITH ALL OUR CREDIT CARDS WHICH I WAS NOT SO SMART ABOUT NOT PUTTING IN MY NAME. I AM ON DISABILITY AND RECEIVE A VERY SMALL PAYMENT FROM THEM NOT ANYWHERE ANY WAY CLOSE TO PAYING FOR THEM AND ME LIVING TOO I NEED TO KNOW OF A GOOD COMPANY OR ... Read More »

I Want Out of Debt Without a Chance of Being Sued. – Mary

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Recenlty got laid off work. only husband working now need help to get out of debt without chosing wrong company.. Who can I use to help us get out of debt with reasonable payments and not taking chance of getting sued Mary It’s time to put debt behind you and start dreaming about your life after debt. – Click to ... Read More »

After My Spouse Died I Used His Sears Card. – Laura

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Husband died in 2005, had no estate, I was authorized user of sears card, and I used it for new washer, dryer, in 2007. did I notify sears he passsed away? no, never dawned on me. sear apparently discovered his passing and came at me with full force to pay of that debt. needless to say I was not finacally ... Read More »

Should I Be Debt Free? – Robert

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I’m 50 years old, self-employed, with a total net worth of about 1.2 million. Our combined income varies from $80,000 to $150,000 a year, although in recent years business has been bad, and in my industry, people are being laid off and prices are stagnating. My Father was laid off at age 55. My brother just lost his government job ... Read More »

How Do We Settle Our Credit Card Debt? – Betty

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How to settle financial debt when an unmarried couple splits up. We lived together 6.5 years, engaged but not legally married. When she went to grad school, I supported us, paid all of the bills, and had 3 months of living expenses saved. Then I went to grad school, but she never earned sufficient income to support us. As a ... Read More »

Should I Go With Bankruptcy or Fast Track Debt Relief? – Paul

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Hello, Chapter 13 or fast track debt relief. I have a lot of credit card debt, (i.e. home improvements, dog vet and hospital bills, etc etc), my wife has 16K and has already paid off two cards, we have joint home depot and lowes bills of 18K. The total of all this is a whopping 130K! yes, i was out ... Read More »

Can They Collect on a 20 Year Old California Judgment? – Dee

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i just found out i have a court judgement from 1980s for $400 on credit card, i was never served. Now they are trying to take $9000+ out of my checking account. This is in CA. I thought CA had 4 year term for written contracts, how can they excercise a judgement beyond the statute of limitations and what should ... Read More »

I Need Student Loan Forgiveness. – Jim

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I am a sixty one year old male, married and I have five children (three steps and 2 bilogical). Many years ago I took out student loans totally aproximately $12,000.00. My wife at that time and myself got into financial trouble and had to file bankruptcy. I was told by our attorney that my student loans would be dismissed by ... Read More »

How Do I File Bankruptcy From Overseas? – Allison

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I got way over my head in debt (I know how is not important) but I am now unemployed. I have to stay at home to care for my small child. I am looking for a job but none of them will bring in enough to alleviate my situation. My debt is on credit cards and also I have student ... Read More »

My Mother Went With Legal Helpers Debt Resolution and Got Sued. – Kimberly

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My mother signed a contract with Legal Helpers Debt Resolution about 6 months ago. She has been making her monthly payments on time (she signed up for the 4 month plan) and has recently been served with a lawsuit by one of the credit card companies. She has received limited communication from LHDR. The most recent letter indicated that now ... Read More »

Our Chapter 13 Bankruptcy Was Dismissed. What Happens Now? – Kim

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We filed chapter 13 br just over 2 years ago. My huband was laid off from his 8 year job just over 5 months ago decreasing our income substansially. Before his job was finished, we contacted our br attorney to discuss what our otpions would be to continue our monthly br payments for the plan based on our new income. ... Read More »

Disabled With Credit Card & Payday Loans. What Can I Do? – Frank

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I became disabled and had to go on retirement/disability, I was able to make up to 80% of what I was making. I took some part time jobs and my wife was working as a nurse. In 2007 I had an Abdominal Aortic Aneurism plus the disease in my back (Arachnoiditis) became worse and I could not work at all ... Read More »

Need to Lower My Truck Payment Fast. – Linioel

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NEED TO LOWER MY TRUCK NOTES BEFORE I LOOSE IT WAS WORKEN PLENTY OF HR’S NOW THERE HIT AND MISS HR’S .STILL HAVE SOME MONEY NOW BUT NO0T ENOUGH TO LAST LONG NEED YOUR THOUGHTS ON GETTING MY PAYMENTS LOWERD.AND FAST Linioel It’s time to put debt behind you and start dreaming about your life after debt. – Click to ... Read More »

How Do I Cancel a Debt Settlement Company Contract With Morgan Drexen. – Walter

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How to cancel a debt settlement company contract The company is Morgan Drexen. I am in a very troubling situation. I signed up with a debt settlement law firm but after talking to them about the fees and all percentage paid for saving I want cancel but do not know if this is wise and what pitfalls if any to ... Read More »

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