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Ask The Get Out of Debt Experts

My Ex-Husband Tried All Sorts of Tricks to Make the Discover Card Bill Go Away. Now They Have a Judgment Against Me. – Sandra

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“Dear Steve, In 2005 Discover card got a judgement against me in MN. My now ex-husband maxed out the card and tried to use techniques from a debt elimination company and failed. I have done nothing about it, I am stubbornly resolved it is not my debt, bit I was the card holder. Now they have filed a foreign judgement ... Read More »

    My Citibank Credit Card Has Been in Perfect Standing. Can I Settle the Account? – Matt

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    “Dear Steve, 31 years old, very good credit (790+), $9,000 in credit card debt – all accounts are current and never have been delinquent. Hoping you can offer some advice! I have a Citibank credit card account that I’ve had in perfect standing for over 6 years now. A couple of years ago they said they were increasing my interest ... Read More »

      I’m Struggling with Stress and Can’t Afford All My Bills. Should I Apply for SSI? – Lauren

      “Dear Steve, I am unemployed 26 years old with a bachelor’s degree I cannot use in my area. I have been under mental stress lately by going in and out of hospitals and cannot seem to bring myself to paying bills. I have been told to file an SSI claim but does that have certain stipulations? I don’t want to ... Read More »

        I’m a Single Mother Stuck in Debt. I’m Stressed, Apprehensive, and Worried.

        single mom

        “Dear Steve, Hi Steve, I am a 35 year old single mother, who has about $15,xxx.xx in credit card debt. I’ve been robbing Peter to pay Paul, and need a smart way out. Can you please give me insight, as to how I can get out of debt, without using a debt consolidating company? I’ve been considering using one of ... Read More »

          Should I Go With Money Management or Novadebt Like My Credit Card Company Suggested? – Rhonda

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          “Dear Steve, I have one credit card card with 12,000 then another with 8,000 with 15% and a store card with 2,000 paying out about $550 a month was considering debt consolidation because the finance charge on the $8,000 is $108 a month. I have looked at so many companies and i can’t decide. One credit card company listed 3 ... Read More »

            Do I Have Any Recourse Against Evan Kagan and Consumer Legal Debt Group

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            “Dear Steve, I have paid consumer legal debt group over 5000 Evan kagans group, and all they did is keep telling me we had to simply stop paying the cards and they will represent me as my lawyer if they sue me. They are now closed.i have 4 more years that they can still sue me and now kanas office ... Read More »

              What is the Best Way to Pay Off Sallie Mae Loans in Full? – Gayle

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              Daughter graduated college with $58,000 in student loans (some federal and private) with Salle Mae. Have reading about the many problems people are experiencing, Want to fully pay off these loans but concerned Salle Mae will mess up the payoff. What is the foolproof process for completing the loan payoff? This is your chance to be a hero and help ... Read More »

                ClearOne Advantage Called Me for an Interview. I’m Scared.

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                Statement from ClearOne Advantage: “Thank you for the opportunity to respond. Unfortunately, this poster clearly has us confused with another company. Not only do we not have an employee named Ryan, we are not located in Columbia, MD. What has likely occurred is the poster spoke with one of our competitors located in Columbia, Maryland with a similar name. I ... Read More »

                  Do I Turn to a Debt Management Company Like Greenpath to Get Out of Debt Now? – Alexa

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                  “Dear Steve, I’m 23 years old and just under $3,000 in debt. Most of these are unpaid medical bills–lab fees, doctor visits or even co-pays. The rest includes an old cable bill and old utility bills that were put in my name by my parents at the age of 18. My parents also had trouble with their credit, and both ... Read More »

                    I Live in Germany But Want to Go Bankrupt in the UK. – John

                    “Dear Jon, Wrongful decision of a German civil court ordered me to pay € 80 tsd. I am from Germany and planning to file for bankruptcy in the UK soon. Is it for this matter a big deal to be (the only) owner and officer of a small private limited liability company in Germany with no assets or would it ... Read More »

                      I Moved House in the UK and Stopped Getting Credit Card Statements. Now They Are Going for a CCJ. – Chris

                      “Dear Jon, I moved house in 2008 and asked my bank to change my correspondence address which they duly did, however they stopped sending me credit card statements and my credit card details ‘dropped off’ my online banking. I believe the statements may have continued to be sent to my old address but I have no way of checking this. ... Read More »

                        I Am a Credit Advisors Client But I Can’t Get In Touch With Them. – Jim

                        “Dear Steve, What is going on? I am a Cliant of Credit-Advisors , My contact was Kike in Sunrise Fla. Have been trying to reach someone there for the past three weeks , What is you suggestion that will help me… James” Dear James, It looks like their telephone number is 800-766-3328. But if you are talking about the site ... Read More »

                          I’m Trying to Refinance My Car Payment But I’ve Got a Lot of Late Pays. – Venkata

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                          “Dear Steve, I got a score of 686 in credit karma. I often made late payments for many months for my car loan as I am lost in my work. Later I automated the payments before due date. I bought Hyundai Elantra 2012 in Aug 2012. My APR is 5.9% . I wanted to refinace the car with lower APR ... Read More »

                            Most Lawsuits for Credit Card Debt Are Flawed and Defective. Fight Back And You Could Win.


                            Thanks to Jessica Silver-Greenberg from the New York Times we get a great look inside the credit card lawsuits that are rolling out today, and they reek. Judges interviewed for the piece say that if consumers actually appeared in court, they might actually win many of these suits because the debt buyers suing can’t actually prove the debt is valid. ... Read More »

                              I Live in NYC And have Great Anxiety About My Debt. – Jessica

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                              “Dear Steve, In the scheme of things, my situation is probably not as bad as others but it still calls me great anxiety. I’m 25 years old with a 50k income and 10,000 debt on one credit card. I live in NYC and have an expensive rent. I was hoping you could help me figure out the best way to ... Read More »

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