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Ask The Get Out of Debt Experts

Will I Be Responsible for My Wife’s Personal Loan?

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“Dear Steve, My wife has personal loan and credit card and she has lost job and she will be going back to home with kids as i have very small job where i cannot pay all her dues . My wife is on my visa and she has personal loan and she was working and now her job is lost ... Read More »

    Getting Sued for a Spa Bill and Worried About Going to Jail. – Adam

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    “Dear Steve, I saw you giving advice and I need some guidance. About a year ago I lost my job as did my wife. I had purchased a Spa years back but fell behide in payments. When I told the Spa company it was impossible for me to pay since I had no work and my wife did not. He ... Read More »

      The Debt Settlement Advice Places Say Debt Settlement is the Best Solution for Me. – Grace

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      “Dear Steve, Situation * I was working two part-time jobs at one time and I had gotten some loans. I was making enough to pay for them and than unfortunately I was let go of one because it was only seasonal. I was hoping by that time my current employer would give me more hours however it went down. Now ... Read More »

        Bank of America Confuses Me With Their Debt Collection and Settlement Approach. – Mary

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        “Dear Steve, It will soon be 6 months that I have stopped making payments to BofA on a $42,000 balance which was mainly used for a balance transfer from different accounts over a year ago. They raised the rate and payments and could not afford it anymore since I haven’t been making money. I hired a lawyer a month ago ... Read More »

          My Account Went From Enlightened Debt Solutions to Johnson Law Group and Now With CAS. – Mark

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          “Dear Steve, I originally had my debt settlement with Enlightened Debt Solutions, which helped me with two out of four of my credit cards. They could not continue and sent me to Johnson Law. Johnson Law collected over two thousand to pay off the remaining and then had their license suspended before they could complete. Now I am with CAS ... Read More »

            Can I Trust SC Law Group or Affordable Financial Solutions of America? – Jeff

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            “Dear Steve, got behind on mtg payments & other bills, filed chapter 13 last year, but case has not been settled. trustee denies claim & then attorney refiles. all payments are being made to the trustee. mtg payments are also being made. we also have a rental property in the same situation, but has since been rented & mtg payments ... Read More »

              Old Texas Debt Lingers and Haunts Me From Bar Kitchen. – Dan

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              “Dear Steve, 13-14yrs ago I was a dumb kid on probation that thought he had a great oppurtunity here in Bastrop, TX. I sub-leased a kitchen from a bar owner and took on business partners. One of my partners skipped town after stealing the till, leaving me to determine how to keep business running minus the cash. My landlord raises ... Read More »

                I’m Worried About Being Stopped at the UK Border for an Old Debt. – David

                “Dear Jon, My situation is this,im a uk citizen but live abroad for most of my life,i went back to the uk on 2005 and stayed there until 2008 within that time i opened a couple of credit cards and a samll loan ,in 2008 i had to leave the uk and nevesr repayed the credit card,loan or mobile phone ... Read More »

                  I’m Deaf and Having Problems With My Chapter 13 Bankruptcy Attorney and Trustee. – Thomas

                  “Dear Jon, I filed Chapter 13 over a 1 1/2 ago. I cant find a job even with my degree. I’ve been working with a company that helps people with disabilities because I’m deaf. My first attorney passed away so they gave my case to another attorney. The Chapter 13 Trustee sent me a list of people I owe and ... Read More »

                    I Declared Myself Bankrupt in the UK But Worried About Charge Against My House. – Hayley

                    “Dear Jon, I have recently declared myself bankrupt and this was all agreed and I have an official receiver whom I am providing information to, old banks statements, credit reports and personal information about my working life and why I got into debt. However before I was declared bankrupt I had a loan where the company would not agree a ... Read More »

                      Retired Air Force Member In a Mortgage Pit After a Divorce. – Cortland

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                      “Dear Steve, I’m hoping you can point in the direction where I can get some assistance. Long story short, I’m retired AF (retired in July 2010) and own a home that I purchased in 2003 when I was on active duty. As a result of a permanent change of station move while on active duty and a divorce 2005), the ... Read More »

                        Lost Job. Unemployment Expired. Living on Social Security. Can’t Pay Debts. – Gwen

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                        “Dear Steve, Lost job. Depleted Unemployment payments. Living on Social Security only. Cannot pay all debts. I lost my job of 14yrs in 2010. I have depleted all my unemployment and only have Social Security as an income. I am 71 yrs old and cannot find another job. I have $43.000.00 in credit card bills and a personal loan. Am ... Read More »

                          I Discharge My Mortgages in Bankruptcy and Now Want to Settle Them. – Carla

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                          “Dear Steve, I have a first motgage with Wells Fargo for $97,000 and a HELOC with Fifth Third for $29. My property value on Zillow is $88,000. I filed chapter 7 that was discharged in March 2009 and never reaffirmed either mortgage. I was thinking of stopping the payment of my HELOC and continue to pay my first mortgage in ... Read More »

                            Traded in Car But Credit Union Won’t Give Me My Title Due to Old Credit Card Debt. – Don

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                            “Dear Steve, Credit Union who won’t release title of a car because of a credit card that charged off. Thank you for taking questions. My situation is a complicated one. I traded my car in and the dealership called the CU to get the payoff. They gave them the payoff in which they received the check 2 days later. Two ... Read More »

                              My Wife Filed Bankruptcy and Included Mortgage and Home Equity Loan. – Stan

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                              “Dear Steve, My wife filed for Chapter 7 Bankruptcy. I have a 1st mortgage and a home equity loan from the same bank. Both are showing as discharged on my credit report since neither were reaffirmed. What happens if we stop paying the 2nd? Do we have to pay it off or will their be a lien attached to the ... Read More »

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