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Ask The Get Out of Debt Experts

Apartment Complex Debt is Listed Twice on My Credit Report. – Lori

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“Dear Steve, Hello, about 4 years ago I lived in these apartments. Due to some financial problems my mother and I were faced with the fact that we needed to move. We then moved out unexpectedly. Years later I recieved a letter in the mail from the debt collections stating that I needed to pay them $1,658 (for leaving without ... Read More »

    How Should I Calculate the Refund Due From the Debt Relief Company? – Matthew

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    “Dear Steve, Hi Steve, I’ve recently made the decision to purchase a home but before I can I need to raise my credit score. As a consequence of that I’ve decided to attempt to settle with old creditors for a change of the status they are reporting to the credit bureaus. A bit more info: I made the unfortunate decision ... Read More »

      I Want to Come Back to the UK But I Left Debt There. – Klair

      “Dear Jon, I have some debts in UK (around 5K). It has been 2.5 years, Since i have moved from UK to my home country due to some family reasons. since then i never heard of anything from any of my creditors in my home country. Now i want to come back to UK again, and i want to review ... Read More »

        Raised in a Foster Home and Suffering With Bad Credit. – Dwayne

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        “Dear Steve, As a child i grew up in foster homes. my real parents put bills in my name as i was a child no where in there life. ive tryed hard to overcome the life style i was raised till i was 13 & put in foster care but its just so hard not having family & starting with ... Read More »

          I’m a Marine Corps Officer Waiting for Basic School With Student Loan Debt. – John

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          “Dear Steve, Marine 2nd Lt. awaiting orders for The Basic School, wont be able to pay loans after grace initial grace period passes I was commissioned a 2nd Lt. in the Marine Corps shortly after graduating college with an engineering degree. I volunteered to serve and owe the government nothing for joining (didn’t do ROTC or anything like that). As ... Read More »

            Is Remedy Law the Same as Prudent Law with Pamela Gerber Gressier? – Karen

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            “Dear Steve, I got a mailer from a firm today and called they were Remedy Law and i look at the website and there attorney is the same as Prudent Law Pamela Gresser Gerber?? They wanhis firm wanted to charge us 4195.00 to do a loan refinance under the Harp 2 Program that is not legal Correct?? This firm ... Read More »

              How Do I Get My Wife Removed From Our Judgment?

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              “Dear Steve, My wife and I were married in Kansas . The next year I became sick and went to the hospital the bill was way beyond our ability to pay. A judgement has been placed in both our names. She did not sign any document with the hospital that states that she was liable to pay the bill. I ... Read More »

                I Have Bad Credit But Settled Some Debts. How Fast Will My Credit Score Go Up? – Lorraine

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                “Dear Steve, Bad credit score (595), and have a lot of accounts in collections. But I have paid them off for less than the full amount. The past week I’ve been on a debt relief spree and I managed to take care of 3 of my biggest accounts that were in collections. BUT I settled all of them for less ... Read More »

                  The IRS Sent My Payment Back Because of a Erroneous 1099. What Now? – William

                  “Dear Jim, Filed 1040A early & got my refund. Received a 1099-DIV form later in April. The form was showing an amount that was slightly too high. In order to avoid interest charges, i went ahead and made a payment calculating the tax i would owe using the current 1099-DIV form by April 15. I did not file a 1040X ... Read More »

                    Moved to Canada from Dubai but Left Debt Behind. Collectors Threatening to Deport Me to Philippines

                    “Dear Steve, Two (2) years ago I moved here in Canada from Dubai, UAE leaving around AED 85,000 of credit card and personal loan liabilities, which now has an outstanding balance of AED 110,000. I accumulated this amount of credit since I lost my job twice. The first one is for six months and second one is for seven months. ... Read More »

                      I Don’t Want to be Ripped Off by Statefund Solutions. – Jessica

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                      “Dear Steve, I live in Kentucky and I’m trying to find out if statefund solutions is a real company. They are offering me a loan but I don’t want to be ripped off again. Jessica” Dear Jessica, All of my comments below are in relations to Statefund Solutions at They claim to be located at 1464 Blue Hill Ave., ... Read More »

                        Got a Bad Credit Car Loan and Want to Refinance It

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                        “Dear Steve, I have bad credit and am in the process of cleaning things up, but this past February I had to replace my car and got a high interest loan. First off my wife loves your site. Any time she has questions, your site is the first site she goes to get answers and advice. I have bad credit ... Read More »

                          Need a Consolidation Program for Multiple Payday Loans in Default. – Kelly

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                          “Dear Steve, Steve, I currently have several online payday loans currently in default. I am wondering if their are any reputable payday loan consolidation programs available online? My credit is poor which prohibits me from taking out traditional loans to cover these debts. Thank You, Kelly” Dear Kelly, In short, no. In order to get an unsecured debt consolidation loan ... Read More »

                            I Thought CCCS UK Was Supposed to Help Me But They Made Things a Mess. – Adele

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                            “Dear Steve, I am currently under the CCCS and have been for 5 years now. Since I started my Debt Mangagement Plan, I have moved home on serveral occasions, therefore along the way my old bank (of which I have a a loan with), not being able to contact me. As far as I am aware, I emailed every one ... Read More »

                              Zwicker and Associates is a Pain to Work With. – Tommy

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                              “Dear Steve, As with most of the folks I’ve seen on multiple sites, I’m dealing with Zwicker and Associates. The feedback is VERY contradicting, some saying they are not a true law firm and can be ignored. I chose the opposite route and am paying them monthly, however, I am very skeptical that my money is even bringing the ‘balance’ ... Read More »

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