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Ask The Get Out of Debt Experts

How Do I Deal With These Back Taxes and 1099-C I Just Got?

IRS

“Dear Jim, I am dealing with several major tax issues with the IRS right now and my situation is very complicated — I really need your help. I am a single female in my 50’s, unemployed, without any income, and have not worked since 2006 due to medical reasons. In March, 2008 I filed a Chapter 7 bankruptcy when my ... Read More »

    Is This Email I Got About an Old Debt for Real?

    fist

    “Dear Steve, Out of the blue I received the attached e-mail. Now I know from reading the Fair Credit Act, that this method of notification isn’t good. The 1st letter I received said they couldn’t reach me about the debt, but the 2nd letter had my name, address, ect on it. I believe this is a scam. What do u ... Read More »

      I’m Being Sued Over an Old Debt I Don’t Recognize. What Do I Do?

      Fight Back - Red Button

      “Dear Steve, Some debt collector has been contacting me by phone about an old debt I know nothing about and saying I am going to miss my court date in a state I have not lived in for 10 yrs. Can they file a law suit if you are not notified in person? Donna” The Answer Dear Donna, I don’t ... Read More »

        I’m Not Paying My Private Student Loan and Now Live Abroad

        Abstract Businessman jets off with Rocket Pack.

        “Hi Steve, I have a non-federal student loan (Sallie Mae -$12K) and have not made a payment on it in over 5 years. Apart from trying to negotiate a payment plan when i was out of work and could not afford my repayments, I have had no contact with them. For the last year or two a collection agency has ... Read More »

          My Home Depot Project Loan Account is Hurting My Credit Score

          caution

          “Dear Steve, I buy and flip houses in Colorado and use the Home Depot Pro Loan on all my projects. They give a nice line of credit with a 7.99 percent interest and interest only payments for 6months. I usually pay it off before before that time period. I have done this 5 times and closed all 5 Loans. My ... Read More »

            Will Only Full Payments Count Towards Public Service Loan Forgiveness?

            teacher

            “Dear Steve, I’ve been carrying a student debt since 1986, and it’s a heavy burden. I borrowed for my BA from 1986-1992 and then consolidated in 2000. I borrowed again for graduate school 2003-2005, have always been in good standing (by paying on the graduated repayment plan, being in deferment, or being in forbearance), but still carry a balance of ... Read More »

              A Debt Collector is Trying to Get Me to Pay An Old Private Student Loan

              law books

              “Dear Steve, I listed a private student loan, for a vocational school. I don’t know if it was discharged or not. How can I tell be looking at my bankruptcy discharge papers? The loan was once again sold to some collector after 6 years, and they are now trying to collect. The loan no longer shows up on my credit ... Read More »

                I Took Out Chase Private Student Loans and My Father Cosigned

                oops

                “Dear Steve, I was very irresponsible in this decision that I had made back in 2007 (after I had graduated high school), I somehow managed to convince my father to co-sign a loan for me for $8,500. My father barely speaks English and you could say that I even tricked him into signing those papers. It was terrible. Anyway, I ... Read More »

                  Boriqua College Will Not Give Me My Transcript

                  angry woman

                  “Dear Steve, I was a student at Boriqua College and have over 100 credits. I am now a Teacher’s Assistant with the Department of Education. My problem is I am getting the lowest possible pay because this college will not give me my transcripts because of a tuition balance of 700.00. I could be making 7-8 thousand dollars more a ... Read More »

                    Will I be Able to Leave the UK Again Because of My Bad Debt?

                    Uk Law

                    “Dear Jon, When I was a student in the UK I had a credit card with a 1000 pounds overdraft, a student account card for 1500 and I made a loan of 4000 pounds. I paid some of the money when I left the UK but I stopped paying. I think all together was about 5000-6000 pounds … all of ... Read More »

                      I am a Ukrainian Citizen But Stuck in the UAE Because of Debt

                      Flag_of_Ukraine.svg

                      “Dear Jon, I spent 6 years in UAE working in oil/gas sector and had a successful career, good salary and of course, as all people do – I had some loans and credit cards. The things became horrible, when I accepted new offer from another company in Jan 2014 and had a 1,5 month gap in income until my visa ... Read More »

                        Why Won’t Sallie Mae Settle My Student Loan Debt?

                        Ready to Collapse

                        “Dear Steve, I currently have a bit over $67k in student loans through sallie mae at 6.5% interest rate consolidated. I have never missed a payment and pay an extra $120 a month to pay off my loans faster for a total of approximately $681 a month to Sallie Mae. I consolidated them back in 2007. I’ve asked Sallie Mae ... Read More »

                          I Filed Bankruptcy. What Should My Credit Report Look Like?

                          credit good

                          “Dear Steve, I filed chapter 7 bankruptcy in October 2009 and the disposition date was March 2010. I am currently reviewing my credit report, as a means of disputing any inaccuracies found on the report. Issue 1: On credit report A under public record it states that I have a $0 claim amount and a $0 liability amount. On report ... Read More »

                            What is the Best Way to Get Off a Sallie Mae Student Loan as Cosigner?

                            punched-in-face

                            “Dear Steve, I cosigned a student loan for a friend in 2000. Friend has not paid or not made regular payments. Loan is through Sallie Mae. Loan has gone to collections. Collections agency is contacting me at work, calling my parent’s home, my cell phone. Friend does not have money to pay or says does not have enough money to ... Read More »

                              How Can I Sort Out My Serious Debt Problems in the UK? – Sakina

                              uk

                              “Dear Jon, My family’s facing serious serious debt problems. The rent is unpaid too and we might be leaving the house anytime soon. And the banks are waiting for their payments too. How do we sort it out? Sakina” Sakina, I have a few questions to help me better understand your situation and offer solutions. Are you living in the ... Read More »

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