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Tag Archives: bankruptcy

My Husband Sexually Assaulted Our Daughter While I Worked a Second Job to Afford Bankruptcy Payments. – Patty

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“Dear Lewis, My husband and I filed bankruptcy in Feb 2010- because he lost his job after the bankruptcy was filed and he had a child support obligation they take the payment from me every 2 weeks. 286.00 dollars. At this point all the payments are made by garnishment of my wages. i cannot live off of 230.00 every 2 ... Read More »

I Was Told Not to File Bankruptcy Due to Severance I Might Receive. – Diane

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“Dear Lewis, In May 2009, I was laid off. I had an appointment with a bankrupcty lawyer the day after I was escorted out (I had fairly high security clearance). She told me to hold off on the bankruptcy due to whatever severance I might receive. I held off and held off…and had a really rotten relationship in the meantime. ... Read More »

I’m an E5 in the Army. Should I Go With Wites & Kapten Instead of Bankruptcy? – Vic

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“Dear Steve, Well i’m about 40k in debt. I’m and E5 in the army. I have a security clearance. I got a letter from wites and kapetan. Its sounds decent. Has anyone heard of them. should i go with them. I can not file bankrupcy because of my clearance. if i did that, my clearance would be gone. Vic” Don’t ... Read More »

Do I Have to Pay My Second Mortgage Home Equity Loan After My Bankruptcy? – Julie

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“Dear Lewis, I filed Ch. 7 bankruptcy last year. I did not file on my 1st home mortgage or my 2nd mortgage – home equity loan and chose to continue paying them. I never signed any reaffirmation statements after the bankruptcy. Recently my loan officer pulled my credit and saw that my reports show I have zero balances on both ... Read More »

Debt Settlement: Top Ten Most Misunderstood Facts

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Over the past few years debt settlement has been in the news, not always in a good way. Many consumers have complained about the services they’ve received while some have been very happy. Much of the disparity in the perception of the service is due to misconceptions about the process itself. So here are the top ten misconceptions I see ... Read More »

Trapped in a Debt Settlement Contract. What to Do? – Dean

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“I contracted a debt settlement company now that it changed. I signed with them back in May of 2010, this was before the new law changed for settlement companies not to be able to charge up front for settlements. The contract is crazy, and I was stupid to sign it. I was totally delusional from stress and depression when I ... Read More »

We Can’t Afford Both of Our Mortgages, What Should We Do? – AR

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“Dear Steve, We have a 1st & 2nd on our home. The 1st is for 124K with Citimortgage, the 2nd is a home equity line of credit with Bof A for 250k due in 2015. Our home is now worth approx 220k. My husband has was unemployed for the last 2 years. Recently back to work. We have business that ... Read More »

Authorized User on a Credit Card – Chris

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My sister added me as an “authorized user” on her credit card. I used the credit card to purchase a used vehicle and have been paying the monthly payments on her card for the past year or so. Now she has filed bankruptcy. Her bankruptcy attorney told her that even though I am an “authorized user” on the card, I ... Read More »

I Am Filing Bankruptcy But My Attorney is Waiting For Stuff From Me. – Brent

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Brent “Dear Steve, I consulted an attorney 2 months ago about bankruptcy and retained them to proceed with the process. I have only 2 more item to give the attorny before they proceed. I have fallen behind on my car payment and they repoed it yesterday. I am wanting and needing the car back very bad, as I am fixing ... Read More »

Scott Writes Me and Asks For Help – “We Are Behind And Overwhelmed”

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Scott wrote to me at GetOutOfDebt.org and asked me the following question. If you have a question you can visit GetOutOfDebt.org and ask for my free help also. “Dear Steve, We have too many bills and not enough money. We owe $30,000 in debt besides my mortgage. We are behind about 1-2 months are most bills and are overwhelmed. We ... Read More »

Collectors Called Constantly Scared of Foreclosure, What Can I Do? – Roy

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“Dear Steve, I have recently taken over management of finances and bill paying from my wife. I always knew we had some lingering credit card debt that had been following us since college, but I had no idea what the real situation was. At this point we are $51,000 in credit card debt. We have a mortgage, a HELOC, and ... Read More »

We Handed Our House Back in Bankruptcy But The Chase Bank Refused to Accept It. – Ron

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“Dear Steve, Wife lost her job 2 years ago – since then we liquidated savings, sold a cabin, got rid of both vehicles, searched high and low for a job for my wife. 18 months ago we applied for a loan modification as our monthly loan amount increased due to escrow increases. Then 6 months after trying to get the ... Read More »

I Can’t Figure Out My Chapter 13 Bankruptcy Payments – Helpless

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Helpless “Dear Steve, Brought 3 cars in 2 weeks in 2007. married truck driver. Job closed 1 year 2 months ago. New job less than half the income. 5 kids. parents took over 1 of the cars and the payment. bad credit. My wife and I went to a lawyer to file chapter 13. Altogether we pay about $1300 in ... Read More »

Clinton Wants to Know “Am I Doing The Right Thing By Repaying My Debt?”

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Clinton “Dear Steve, I am receiving social security disability insurance (SSDI) and got abandoned with a mortgage back in 2007 that went into foreclosure. I know I can’t get the foreclosure removed but I have been diligently trying to pay off all of my outstanding debt, charge-offs and the ones that report a zero balance but the collection agencies keep ... Read More »

I Am Too Trusting and I Help People Out With Money But Don’t Get it Back and Then I End Up Missing Payments – Natasha

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“Dear Steve, I am 28 and i live with my parents, i have had problems with debts for a few years. I am too trusting and i help people out with money but dont get it back and then i end up missing payments. How can i get out of debt, i have tried everything but nothing works, i sell ... Read More »

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