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Ask The Get Out of Debt Experts

How Can I Consolidate My Credit Cards and Get My UK Credit Report From the USA? – Jay

“Dear Jon, I am right now in usa for the last 3 years. Have several Credit Cards in UK. From Barclaycard to MBNA. Have never missed a payment. Need to take all high interest credit cards & transfer to a lower rate card. Please advise. Also need to get a copy of my UK credit report on line. What are ... Read More »

    I Am the Guarantor for My Daughter’s Car in the UK and She Can’t Pay. – Marie

    “Dear Jon, I went guardtor for my daughter for car and she cant pay for it as her circumstances have changed she had a baby and only works partime gets about 400 a month car is 293 amonth she has made agreement to lower payment but stopped paying now i am resposible but i have mobility car so i dont ... Read More »

      Will Natwest and O2 Arrest Me When I Return to the UK? – Jed

      “Dear Jon, I have a credit card debt from Natwest less than £500 as well as an O2 bill. I left the country a bit more than three years ago. I didnt receive any phone call or letter from them for the fact that i was no longer in the UK. Now i’m going back for a visit. Would I ... Read More »

        I’m a Victim of Sallie Mae Loan Fraud. What Can I Do? – Randal

        Ready to Collapse

        “Dear Steve, Around 6-7 years ago, I cosigned a Sallie Mae loan for my roomate in the amount of $15K and a second one for around $3K. In 2006, I broke off communication with him as he moved back to the UK due to not getting a job in the US. Well, there’s been times that sallie mae has contacted ... Read More »

          What Program Can I Use to Lower the Amount I Owe On My Mortgage? – Rich

          “Dear Steve, I have a home mortgage that was modified at very favorable rates. However, in order to motivate IndyMac my attorney told me to stop paying the original mortgage (my income, self-employed was tanking) and they would be more amenable when I made my HAMP application. My original amount on which I was paying was about $275,000. I was ... Read More »

            Should I Take Out a Home Equity Credit Line to Pay Off My Credit Card Debt? – Joni

            Ready to Collapse

            “Dear Steve, Credit card debt about 30,000. I contacted you before but my computer crashed and I can’t locate your email. Own a home, never late on mortgage, pays credit cards on time. Interest rates are so high I’ll never catch up. I’m thinking on a home equity credit line to clear up this debt since its impossible to clear ... Read More »

              I’m With World Law Group, Been Sued, And Just Had My Bank Account Levied. – Mary

              Ready to Collapse

              “Dear Steve, A little over 2 years ago, I lost my job, had no income for a few months, I was already behind on most of my “credit” bills, and some went into collections. I started getting those “threatening” calls from the collection agencies, when all the sudden I recieved this program statement in the mail for World Law Group. ... Read More »

                I Just Received a Summons From Bank of America. Can I Use the Statute of Limitations as a Defense? – Chris

                Ready to Collapse

                “Dear Steve, I just received a summons that I am being sued for what looks like an old Bank of America credit card debt (amount over $10K). This is by a collection agency that purchased the debt, and they are using a legal firm to do this. The state is Idaho. Both the collection company appears licensed to do this ... Read More »

                  I Moved From the UK But Left Debt. Is My House in the EU at Risk? – Fedra

                  “Dear Jon, I need your advice, I have been working in the UK for 3 years , then moved back to my home country in the EU , where I have my own house., without any mortgage. I have left about 10.000 pound of debt behind me in the UK. I am just wondering if I am going to put ... Read More »

                    Retiring Military With Big Debt. Should I Cash Out My IRA to Protect My Security Clearance? – Tim

                    Ready to Collapse

                    “Dear Steve, I am a retiring military officer with about 3200 in post tax income for retirement. This is enought to pay my mortgage and put food on the table. I also have a mass mutual whole life annuity for 250000 and my retirement check will have survivors benefit of half current payment. I am 40k in credit card debt, ... Read More »

                      Newport Mortgage Relief Called Me to Modify My Loan Under HAMP. – John

                      Ready to Collapse

                      “Dear Steve, I received an unsolicited call from Newport Mortgage Relief regarding redoing my home loan under the HAMP program. I’ve read your letters from Jim and Larry. I cannot find any record of the company and as they stated, no address or physical location is stated on any of the documents or website. NMR states they are a loan ... Read More »

                        Can Student Loans Garnish Both My Wages and Social Security at the Same Time? – Ross

                        Ready to Collapse

                        “Dear Steve, Student loans totalling approx. $24,000 defaulted in 1993 and wages were garnished. I left that employer and tax return overpayments were taken. I am now 62yrs old and working part time for a large do it yourself retailer. After I started, more than a year ago, my wages were garnished at 15%. I recently resigned and was rehired ... Read More »

                          My Fiancee Died and I Can’t Make My Truck Payments. – Jody

                          Ready to Collapse

                          “Dear Steve, i purchased a truck.then my fiance died now i cannot afford high payments,and i have bad credit so my interst is high and no one will refinance it i found out that in the 18 months i been paying they have put all except 800.00towards interest.then i called to get a payoff it was not even any lower.Now ... Read More »

                            DeVry is Chasing Me for a Debt I Don’t Think I Owe. – Jodi

                            Ready to Collapse

                            “Dear Steve, I attended DeVry online 5 years ago. Was only enrolled for two semesters. Since then I have been paying on two student loans. Original total was around $9000. Three month ago a company (ACS) sends me a letter to inform me that I will have to start paying them back. This letter said DeVry Residence school.Not the DeVry ... Read More »

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

                              Ready to Collapse

                              “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 »

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