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Ask The Get Out of Debt Experts

I Was Disenrolled From ROTC Scholarship and Now Military Wants The Tuition Money Back. – Jas

“Dear Steve, I accepted an ROTC scholarship with the army in the fall of 2010. I have recieved the scholarship up until the spring of 2012, of which they did hint at my inability to adapt, but they did not pay for the semester’s tuition, did not inform me that they were not going too, and changed my evaluation from ... Read More »

    Are All Investments Just a Scam?

    “Dear Paul, My wife and I cashed out the ROTH, 401 and 403. We bought five rentals and GROSS 12% on the investment. We have over 75% of the debt paid off. My wife quit her jor two years ago and I work part-time. We do are our repairs. Too easy..not sure we more folks don’t do this. Not to ... Read More »

      We Have a Bunch of Equity In Our House But Way Too Much Credit Card Debt. – Lisa

      Ready to Collapse

      “Dear Steve, three years ago we refinanced to a 30 year, 4.9 mortgage. we paid off all debt and embarked on a kitchen remodel. Halfway thru the remodel (at the absolute point of no return) I was laid off. I found another job seven months later, but in the meantime we had to power thru–scaling back to barebones the remodel–by ... Read More »

        What Should I Expect to Happen at My Bankruptcy Trustee 341 Hearing? – Fran

        Ready to Collapse

        “Dear Steve, due to wife’s loss of job, unepmloyment benefits and medical care I accrued 40k in unsecured debt. I tried to settle with the credit card companies, when I had some savings they said they couldnt help me “you already have the best deal” even after i repeatedly warned thme that once I blow through my savings I can ... Read More »

          Zwicker & Associates Wants Me to Pay More Than I Can Afford

          Ready to Collapse

          “Dear Steve, I got in over my head in debt. Of course, that is why I am writing you. So, about two years ago I was on a debt management plan, with Incharge debt solutions. I had to drop out after paying off one credit card and paying down a bunch more. Than about six months later I reapplied and ... Read More »

            I Filed Bankruptcy But Now Want to Buy a House. How Do I Do That? – Aisha

            Ready to Collapse

            “Dear Steve, Filed for bankreptcy about four years ago, so my credit is really bad. I would like to buy a house, but how can I do so with bad credit? I filled for bankruptcy and it was discharged soon after. It is now four years later and I really would like to purchase a home. I’m not sure how ... Read More »

              The Judge Said Being on Social Security Was Not Enough of a Reason to Dismiss Creditor Lawsuit

              Ready to Collapse

              “Dear Steve, Old bank secured line of credit loan – already went to court – judgment against me for debt – judge said being on SS is not reason enough to dismiss – was actively working until I had a triple-bypass 5 years ago – haven’t been able to work since then & due to high medical bills (I have ... Read More »

                Capital One Sued Me And Got a Judgment After the Case Was Dismissed. – Linda

                Ready to Collapse

                “Dear Steve, Capital One wrote off their debt, turned over to a Collection Agency who has now sent to an attorney,,,they got judgment against me and I motioned to have that set aside which was denied,,now at Appeals process. Also the plaintiff’s counsel motioned against my motion. When reviewing court records, I found that the judgment was entered after the ... Read More »

                  We Want Our Credit Card Debt Gone. – Erin

                  Ready to Collapse

                  “Dear Steve, I have credit card debt and need help. I have $3000 at 14% interest, 10,000 at 18%, and another $17,700 at 18%. As of right now our mortgage and all these cards are paid up. I had been late on a mortgage payment about a month ago, but this too was caught up. However, we are self employed ... Read More »

                    I Want to Buy a Motorcycle to Get Around But I Don’t Have the Money. – Loraine

                    Ready to Collapse

                    “Dear Steve, Got about 10k in debt, and they’re all in collections, but I recently got a decent job. Now I’m starting from square one and i want to see if I can finally become debt free. But I don’t really know where to start. I have lost my mode of transportation and I really really need to get something ... Read More »

                      The Debt Answer and Lloyd Ward & Associates, What Should I Do Now?

                      Ready to Collapse

                      “Dear Steve, I have been reading up about this co on your site, along with Lloyd Ward and previously Simon and Bosch and realize that my 2 year stint to date (out of 4) of paying them $423.06 a month is probably a scam. I was only researching b/c I feel I cannot make any more payments and must go ... Read More »

                        I Dropped Out of College to Care for My Aunt With Alzheimer’s

                        Ready to Collapse

                        “Dear Steve, I was 1 year from my degree, when I dropped out to take care of a non-invalid , Alzheimers’ 93 yr. old Aunt. That was in 2008, at which time I was told she was on Hospice and only had 3 months left to live. Auntie passed away in March of this year. For the past 4 yrs. ... Read More »

                          Can My Credit Union Repossess My Car If I’m Late On Another Loan? – Colette

                          Ready to Collapse

                          “Dear Steve, I have a personal loan ( which is 3 months past due) and an auto loan , which is current, with the same credit union. Thay are now saying that the personal (signature) loan is cross-collateralized, and the want to repossess the car. I don’t remember agreeing to cross-collateralization – the loan was made in New York State, ... Read More »

                            American Express Won’t Let Us Continue Our Payment Plan We Established. – Kim

                            Ready to Collapse

                            “Dear Steve, We racked up $25,000 in debt to American Express on just one card and paid it down to $19,000 before being unable to make the $483 minimum payment each month. This was primarly due to daycare costs after having our first child. Daycare costs between $200 and $165 a week here is Gainesville, FL. We were sent straight ... Read More »

                              Sallie Mae is Threatening to Garnish My SSDI Income. – Trudy

                              Ready to Collapse

                              “Dear Steve, A few years ago I co-signed two private student loans for my son through Sallie Mae. I am disabled and receiving SSDI. My son has now defaulted on the loans and Sallie Mae is demanding payment from me. The loan is now with a collector who is threatening judgement. I live in the state of Hawaii. My son ... Read More »

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