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Home > Ask The Get Out of Debt Experts > I’ve Been Scammed By the Dating Site Zoosk. – Worried Soul

I’ve Been Scammed By the Dating Site Zoosk. – Worried Soul

“Dear Steve,

Hi , I have very terrible situation, thank God I found this site.

I have been scammed on a dating site called Zoosk, and I have lost my lifetime savings. I have lost over $250,000 and incurred about $32,000 credit card bills. I contacted the credit card company that I have over $28,000 debit with, but I was told that instead of paying $834.00 a month, they can reduce it to about $650.50 a month.

I am a widow with 2 children (one already in college and the other preparing to graduate and go to college this yr). It is very long story, but I blame myself for allowing all these to happen. Please is there any help I can get to reduce my credit card interest rate. I had some cash advance so I am paying more interest. I don’t think I will be able to keep paying over $800.00 / month plus other bills. I am willing to pay my credit card bills, though. I just need help with the interest rate I have right now.

I am in big trouble and need help to solve this problem.

I have received a flyer from the Thomseen group , so I was doing research and came across your forum. I am very careful because I cannot afford to loose the pennies I have right now.

Is it possible for me to reduce the interest rate of about 28%?

Your Question(s)

Worried Soul”

Dear Worried Soul,

Were you scammed by the dating site or scammed by someone who contacted you through the dating site. The distinction is important.

If you were scammed by someone through the dating site I would urge you to file a police report and maybe the site can assist in that investigation as an ally.

Please correct me if I’m wrong but I believe you are saying that the minimum payment of $650 a month is too high for you. Is that correct?

How much do you have left over after paying your expenses, not including credit cards?

Please post your responses and follow-up messages to me on this in the comments section below.

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Lacey welch

    Get a life

  • Sgt Acquah

    INVOLVING GHANA.       Having thoughts or doubts about who you are really talking or chatting with (whether he or she is a scammer or not) or you have never set physical eyes on that person(s) before. Internet scam has become very rampant in our today’s world now. Ghana Police Service is now at your door step and herho you are talking, or chatting to whether he or she exists, pertaining to internet dating and business.
    2.      We to help you to be very sure about the following;
    1.       Whether he or she is a scammer or not.

    3.       To help the Republic of Ghana to fight against internet fraud and scam, in other to maintain the good name of the country, Ghana.

    4.      Report in other to save other person(s) hard earned money from the scammers and fraudsters that is, not to fall a victim.

    You can contact us by the following email addresses;
    1.      [email protected]

    2.      [email protected]

    Looking forward to help you in all facet of internet involving a Ghanaian person(s).

  • Worried Soul

    Hi Steve,
    Thanks for answering my comment.
    I was scammed by a guy who contacted me through the dating site
    After I pay my bills (NOT INCLUDING CREDIT CARD BILLS), I have about $500.00 left.

    • Steve Rhode

      I think we need to evaluate your situation in stages. I’d like for you to do these two things.

      1. Read this

      2. Use this calculator

      Then come back and let me know what option seems most logical. I have an opinion but would like to see what rings true for you.

      • Worried Soul

        Dear Steve,
        After reading your article and calculating all the debts,  the years that will take me to  pay, I will really choose bankcruptcy as the best option.

        My problem is that , I have heard that it takes 7yrs for the bankcruptcy to be erased completly , meaning there will be no credit card for me for 7 yrs.

        I also bank with Penfed and I have few IRS with them, so they will see that savings.  I also heard that credit unions don’t take their card from you if you go bankcrupt. Please Steve help me make the right decision, I can’t even sleep. I have been sick recently —-coughing, fever, my immune system is down. I can’t go on like this

      • Steve Rhode

        The good news is that it does not take 7 years to rebuild your credit. In fact you will find you will receive credit offers following the discharge of your bankruptcy. And if you go for a chapter 7 bankruptcy that will take just a few months to get.

        I wrote this guide to show how easy it is to rebuild your credit. See

        Regarding the IRAs. That’s a good question to discuss with your local bankruptcy attorney when you meet with them. They will help you find a strategy to best deal with that issue.

        My advice is for you to find a local bankruptcy attorney, get their advice, and then start to rebuild your financial life. The stress reduction in knowing this is behind you will help you to heal in so many ways.

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