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Ask The Get Out of Debt Experts

We Recently Filed Chapter 7 Bankruptcy and Now We Want to Let Our Home Go Back to the Bank. – Sheila

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“Dear Steve, We recently filed Chapter 7 and waiting for discharge. Our mortgage payments are up to date but we did not reaffirm. Car payment reaffirmed so credit reporting will be good on that end. Since our plan is to move within the next two years, our credit counselor has advised us to find an affordable apartment now. We would ... Read More »

    Citibank Says They Can Give Me a Much Lower Payment and Interest if I Go to a Branch. – Michelle

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    “Dear Steve, Due to some medical expenses and lack of work for a few months I did get behind on my credit card payment..I’ve made small payment but not enough to get me currant I’m 88 days past due… I’m trying to get current on my citicard but can’t seem to make up for 88 days of being behind…citi has ... Read More »

      Should I Drain My 401K So I Can Pay Off Debt And Retire? – Cathy

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      “Dear Steve, I am 65 yrs old, still working and my husband 71, retired. Our income is $51k (me), and my husband’s SS benefit of $10k. I used to have $250k Line of Credit/ c card debt. We’ve been diligently tried our best to pay and now the it’s down to $140k of Line Of Credit Debt on a home ... Read More »

        UK Company Took Our Passports And Setup Bank Accounts for Me. – Tom

        “Dear Jon, I lived in the UK for a couple of years since 2006. I went there with a few other people with the help of an agent, who was supposed to help us get settled. They collected our passports, set up bank accounts for us, rented houses etc. After my return I found out all of the others sooner ... Read More »

          National Advocacy Law Center is Calling Me to Eliminate My Taxes. Are They a Scam? – Mary

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          “Dear Steve, I’m trying to get help with my tax issue and I was contacted natiomal advocacy debt center by phone concerning a pending IRS audit/tax collection this Firm called my cell phone and had a robot message. The message said it was about my IRS issues and to press 1 or I may face a levy or judgement and ... Read More »

            I Left the UK With Debt and Now Live in Portugal. – Steve

            “Dear Jon, I left the UK in 2001 with approximately 20,000 of combined debt. 6,000 of this was a student loan, plus a bank loan and overdraft. I have been in Portugal ever since, living, working and behaving far more responsibly but ironically have a partner who has now been offered a brilliant job in the UK. I am interested ... Read More »

              National Advocacy Law Center is Calling Us to Sell Us Something. – Olga

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              “Dear Steve, We need help as well with Indy Mac bank and this law firm national advocacy law center called our home with a message on a recorder Saying we are preselected to get a loan modification. How can a law group Do this ?? We never called or herd of such a thing any way so impressed 1 and ... Read More »

                Is Consumer Debt Initiative of National Credit Assistance a Scam? – Christina

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                “Dear Steve, I think this is a scam, but wanted to check and see if you have seen this company before. Christina” Dear Christina, Let’s look at the letter you got for what it is, a sales pitch to sell you debt relief services. The correspondence hides behind and pretends to be something that it is not. The mailer has ... Read More »

                  I Just Retained Macey Bankruptcy Law and Now I’m Freaking Out. – Annie

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                  “Dear Steve, I gave a retainer to Macey Bankruptcy Law and now I am reading these posts and freaking out. I am just trying to get my chapter 13 filed so that I can get my car back and get my life back in order. How do I go about filing a chapter 13 without an attorney? Or is it ... Read More »

                    I Was Contacted by The National Advocacy Law Center But Can’t Speak to Attorney. – Tommy

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                    “Dear Steve, I live in new jersey and we had been contacted by national advocacy law center regarding loan modification help I’m very distressed over the fact they won’t allow us to speak to the attorney in our state or tell us who it is. They told me until I send in all my info such as mortgage statement & ... Read More »

                      The Mortgage Law Group is Supposed to Be Saving Our House. – Sharon

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                      “Dear Steve, I have had The Mortgage Law Group working on modification of my house note since Noc,2011, Have paid thousands of dollars and are still in the dark about my mortgage. The company is in Florida and I am in Texas. I have gotten letters about foreclosure and am scared of losing my house. My husband and I are ... Read More »

                        My Husband is Working In Dubai, Had Leprosy, And is Now Getting Deported. – Faith

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                        “Dear Steve, my husband is working in dubai for 4 years since we found out that he is suffering from leprosy. he went back to dubai after treating here in india for 2 months so he wont be infectious and will have with him he’s medical clearance from the doctor. but the company said that he must undergo some medical ... Read More »

                          Can I Really Get an Unsecured Debt Consolidation Loan With Poor Credit? – Michelle

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                          “Dear Steve, Poor credit score below 600, great income if I didn’t have all of this debt, Is there any company that will give me a debt consolidation loan with poor credit? Really trying to get my credit back on track and be able to provide for my family. Michelle” Dear Michelle, None that I know of. In the range ... Read More »

                            I Filed a Chapter 13 Bankruptcy to Save the House. Now My Wife Wants a Divorce. – Jason

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                            “Dear Steve, Okay about 8 months ago I filed an induvidual Chapter 13 Bankruptcy to avoid foreclosure. My spouse did not file and we are 8 months into a 36 month chapter 13. Since I was the lone filer my pay checks are deducted $487.50 bi weekly for a total of $975 per month. This mostly goes towards the past ... Read More »

                              I Filed Bankruptcy But Can’t Afford My New Car Payment. – Tarsha

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                              “Dear Steve, I filed chapter 7 last year and instead of my situation getting better, its getting worse. I financed a car through a company name first investors and in the beginning of the loan I was keeping up with the payments. But, due to a decline in my yearly salary the note is killing me. I pay far to ... Read More »

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