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Ask The Get Out of Debt Experts

Company is Chasing Me for a Debt I Don’t Owe. What Do I Do?


Question: Dear Steve, Back in December of 2014 I received an email from a company stating that I owed them $990.68 for a debt that I know I don’t owe. They state in their email that they put my social security # into their National Database checking system and said that I was never charged with fraud. I emailed them ... Read More »

    Sallie Mae Screwed Up My Chances of Getting a Texas Public Education Grant

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    Question: Dear Steve, I started my nursing training in WY and borrowed student loan money there. Then, in 1999, I moved to Lake Charles, LA, and took out loans through Sallie Mae since I was now in the South. Sallie Mae loaned me out too much money; however, they said that since it was their mistake that it would be ... Read More »

      Social Worker Facing Retirement Can’t Pay Student Loans

      Student Loan installment payment check paying back money owed in obligation for borrowed funding for college or university education

      Question: Dear Steve, I’m a 60 year old female with one daughter in college. I took out loans to get my MSW degree which I needed to continue working in my job. I took loans totaling $50000, but during this time I went through a divorce, was jobless for 2 years, and I defaulted on the loan. I did consolidate ... Read More »

        Father Forged Kids Names on Student Loans. Do They Owe Them?

        Hand With Wand And Money

        Question: Dear Steve, My ex husband left 2 of my children with over $100,000 each with student loan debt. He signed loans with their names without their knowledge, he missed months of payments which incurred high interest rates and now these kids both under 30 are saddled with these debts. They are beyond upset and see no end to paying ... Read More »

          My School Misled Me, is Closing, and Leaving Me in Debt


          Question: Dear Steve, I started going to International Academy of Design and Technology in 2008 and was really excited to go for my Bachelors degree. I wanted a better life for my son and me. I asked all the usual questions; what’s the program like, how are the courses taught, is it like going to a traditional college? They assured ... Read More »

            My Car is All Worn Out. What Should I Do?

            The Chevy Spark I drove recently.

            Question: Dear Steve, I need two new cars(used cars) but I don’t know if I should fix these old cars or trade them in and buy 2 used ones. My 2007 Kia Optima has 165K miles on it and wont pass inspection-needs catalytic converter and new tires (maybe $1500?). My ex-wife has Kia Sedona with 100K miles and needs new ... Read More »

              Reporter Discovers Student Loan Shit Your Pants Syndrome #SYP

              Empty toilet paper roll hanging in a restroom

              Question: Dear Steve, I borrowed a grand total of $88,000 in private loans (Sallie Mae) for college. Struggles with health (migraines, vertigo, etc.) forced me to take nearly six years to finish my degree. Since that time, the total has ballooned out to $119,316.52 as I’ve only been able to pay the interest and have had to use forbearance requests ... Read More »

                UAE Bank Changed the Terms and Chased Me to UK

                Many multicolor question marks above the head of young man or boy. Making decision thinking uncertainty learning concept. EPS 10 vector illustration no transparency

                “Dear Jon, I have a loan with a UAE bank. I filled in a form stating funds were for investment in the UAE. The bank representative later came to my office and said the bank had refused to lend money for investment but he had filled out a second form himself and they had agreed to provide the loan. So ... Read More »

                  I Have a Mental Problem That Leaves Me Unable to Pay My Student Loans

                  A businesswoman thinks and does the questions

                  Question: Dear Steve, I have a mild psychiatric disorder, and I have my total and permanent disability form accepted. However, I found out that for a three year monitoring period, if I make money over the poverty level, in three years I will have to go back to paying it back. While I’m a responsible woman who can’t pay back ... Read More »

                    Can a Collection Company Chase Me in Dubai for Foreign Debt?


                    “Dear Jon, Lived in Australia in 2001 and left the country in 2010 due to some situations. To cut the story short, I owe my credit card around $25000 when I left oz. After a while a debt agency started calling me to pay the said amount in behalf of the bank that I owe. However as much as I ... Read More »

                      Should I Stop Paying My Private Student Loans Now?

                      Businessman trying to solve a maze questions

                      Question: Dear Steve, I graduated in 2006 with over $50k in private student loans. After I graduated, Citi wanted $400/month. Unable to make the payments, I went on years of deferment and forbearance as my loan was bought and sold by several banks and lenders. My loan reached a max of $110,000. I am now 10 years removed from college, ... Read More »

                        How Can My Husband Get Out of a Spousal Consolidation Loan?

                        Portraits of people thinking

                        Question: Dear Steve, My husband of 19 years was married previously. He and his ex-wife each had a student loan that she combined into one under her SSI#. These loans are from the 1990’s. When he and I married the loan servicer, Sallie Mae, would not split the loan and so payments were sent in separately. In this time frame ... Read More »

                          How Can I Make ACS Verify My Student Loan Balance?

                          Magnifying Glass - Q&A

                          Question: Dear Steve, Apparently I have a consolidation loan through ACS for double the original amount. I have another consolidation through AES and that amount is consistent (a bit more because of some forbearances). Original amount about 26K, amount they are claiming over 45K. I have sent several formal requests for ACS to substantiate the loan amount only to receive ... Read More »

                            Brits Might be Trapped at Border for Unpaid Debts. UK Sucks Sometimes.

                            Boom! Comic Speech Bubble, Cartoon.

                            “Dear Jon, I came to the UK for my post graduation studies in 2011 and left the UK in 2013 February. I am from India and I came to the UK with my girlfriend who did another course in the UK. But by the time we left the UK, we were in great shortage of money and had to take ... Read More »

                              The Art Institute of Austin Wants to Sue Me Over Student Loan Debt

                              courthouse 1

                              Question: Dear Steve, Hi, I recently graduated from the art institute of Austin. I am constantly being harassed for a balance I owe the school that I do not agree with. I was made an offer to pay off half of my debt and they would pay the rest. I asked for this in writing and never received it. Now ... Read More »

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