Monthly Archives: August, 2010

Florida Attorney Thomas Dvorak Suspended for Mortgage Modification Complaints

Thomas W. Dvorak, 633 S. Andrews Ave., Suite 402, Fort Lauderdale, suspended for one year, effective 30 days from a June 24 court order. (Admitted to practice: 2002) Dvorak will also pay restitution of more than $127,500 to clients. Dvorak was the subject of more than 45 Bar complaints — most having to do with [...]

I’m Just Recently Married and I’m Getting Letters About Old Debts. I’m Barely Getting By. – Jennifer

“Dear Steve, I went through a traumatizing divorce and got a lump sum with which I paid down all the credit cards. I had to live on them for a while. I have 2 small kids that are sick alot and one is ADD/ Dyslexic so I am not able to work a full time [...]

Loan Solutions – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below. The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are [...]

My Partner Just Filed for Bankruptcy to Discharge His Debt. – Norman

“Dear Steve, I read most of the questions posed to you by others and most apply to me. I have a 38K unsecured debt plus personal loans (one of which is my sister’s credit card10k). My partner just filed for bankruptcy to discharge his debt but keep our mortgages (to keep the home) and car [...]

A Socially Awkward Guy At Church Asked Me For Advice. – Deborah

“Dear Steve, A 24 year old guy at church asked me for advice about his debt. He is uneducated, unemployed, socially awkward, below average IQ, months behind in his rent, has no relatives he can count on, owes 25k in credit card debt to Chase, has no assets whatsoever – no phone, no car. He [...]

I Have One Credit Card I Want to Settle. Who Should I Use to Do This? – Rene

“Dear Steve, I am recently employed again after 19 months of unemployment after a corporate downsize. Somehow I managed to keep my house and not fall terribly behind in most of my payments… but I subsequently used up all of my savings, CDs, 401k and money market accounts. I also have a significant amount of [...]

My Mother-In-Law Lives With Us. Can They Take Her Social Security? – Peggy

“Dear Steve, My mother-in-law lives with us. She collects social security and she does not work. However the money she gets from SS she pays a credit card bill and a student loan (she went back to college at 50). She never has any money for anything else due to paying back her debts. We [...]

My Son is in Prison and Interested in the Debt Settlement Commercials He Sees. – Carolina

“Dear Steve, My son has a credit card balance of $17,000. He is in prison and we have been paying $300/month on his card. He has asked us to stop paying, and to find some other way to reduce the balance. He has seen commercials on TV of companies that do that. Should we just [...]

Thank You For Your Compassionate Help You Provide Others. – Barbara

“Steve, Thank you for the compassionate help you provide to your readers. Your extensive knowledge of financial matters and the integrity and honesty with which you answer readers, telling it like it is with no beating around the bush, is a rare commodity. Keep up the good work! I have read your website extensively and [...]

What State Do I File Bankruptcy In? – Kris

“Dear Steve, I am currently living in Nebraska and have been since April 1st 2010. My drivers license is from Michigan at my parents address and has been since July 2008. In July 2008 I had made this my permanent address while I spent a year in South Korea; from July 2008 to July 2009. [...]

USOBA Members Dropping Like Flies

I’d love to write more about this subject if Jenna Keehnen, the executive director of USOBA would ever return emails. Can you tell I’m a bit frustrated. In fact, let me rant for a moment. You want to know what the hardest part about writing stories on debt relief companies is, it is getting them [...]

Bella Financial to Mountain View Financial Group. What is Going On?

Previously I reported that Bella Financial, that had been providing debt settlement services as Debt By Debt Settlement Services, had gone bankrupt and closed down. There is more to the story coming to light. The other day a commenter posted this on the site about Bella Financial: I am very embarrassed and angry at my [...]

Debt Settlement Company Says “Enough is Enough” and Works Hard to Comply With FTC.

With permission I am posting the following from an email I received from a debt settlement company I have written about on this site. The company in question does not want to be identified but they have allowed me to share their “turning point” moment that made them realize that FTC TSR compliance is the [...]

I’m in a Debt Settlement Program and Can’t Get a Loan. – Duston

Duston “Dear Steve, Credit card debt, 3 personal loans, all for cars, one is the car I drive now, the other was for a car I wrecked, insurance paid, but for insurance purposes the car was in my dads name he needed the money for personal reasons, he did not pay off my loan, so [...]

I Now Lost My Job and We Are Unable to Make All The Payments. – Petra

“Dear Steve, Both my Husband and I were making ends meet with only a few bucks to spare to save up a little bit. We are making the minimum payments on our credit card bills, have a mortgage, tax debt, 2 auto loans and the usual bills like water, electricity etc. We were in the [...]