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Ask The Get Out of Debt Experts

I Was a Dumbass That Has Poor Money Management. Now American Express is Suing Me. – Jasper

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“Dear Steve, First, thank you for volunteering your time, knowledge and past experiences with dumb**ses like me who used poor money management in the past and are now paying for it. I’ve read thru much of your site and found many helpful pages in preparing me to get back on track, especially the 7 stages of debt. I have 2 ... Read More »

    I Moved From the UK. Can I Still Get a UK DRO Debt Relief Order? – Erin

    “Dear Jon, I moved from the UK to the US in January 2012 with UK debts. I lived in the UK for 14 years and plan to now resettle in the USA. Having sought advice on my sitution, I seem to qualify for a DRO based on my financials, but am ensure about the residency requirements? Your article on DROs ... Read More »

      I Moved Out of the UK and Left Debt Behind. Will I Be Caught at the Border? – Franck

      “Dear Jon, 7 years ago, I left an overdraft of 1500 pounds and roughly 500 pounds on my credit card. I moved abroad and worked in different countries. I never heard anything from the bank. The only time I heard from them was the first months after leaving, they were leaving vocal message on my UK phone. I have an ... Read More »

        Payplan UK Said My DMP Would Be Over in 6 Years. It’s Not. – Gail

        “Dear Jon, been paying off all our debts with a DMP with payplan, for the last 6 years! From January this year it said may 2012 would be are last payment, we got to may and the said june would be are last payment, I received an email yesterday saying are last payment will now be august! I have just ... Read More »

          Real Estate Law Center Contract Review – Questions Raised

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          “Dear Steve, I was contacted by Real Estste Law Center to join a mass tort lawsuit against Bank of America. Attached, please find the retainer package. My husband and I would love your feedback. We hope this will either help validate a legitimate service or help protect us and others from being scammed. Teresa” Dear Teresa, Thank you for sending ... Read More »

            I’m Looking to Get a Debt Relief Order to Deal with My UK Debt. Will I Qualify for a DRO?

            “Dear Jon, I am looking to get a DRO. Currently I have 3 credit cards, Overdraft, loan and Hire purchase agreement on a car. Credit card debt totals £3200 Loan £1250 Overdraft £1500 Outstanding amount on HP £5000 Total £10950 I have had a major cutback in hours at work, so no longer able to service my debts. I am ... Read More »

              My Boyfriend is Helping With the Bills But I’m Still Drowning in Debt. – Lindsay

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              “Dear Steve, — 30 Years old, unmarried, live with partner. — Sold car last year to pay off debts, but ended up having to use the extra cash for emergency expenses. — About $22,000 in unsecured credit card debt. Have been working on it about 10 years, but it has only grown. — Approximately $43,000 in student loans (Federal, not ... Read More »

                My Student Loans Were Discharged in Bankruptcy But They Are Trying to Collect

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                “Dear Steve, My chapter 7 was discharged in 2002 wherein I listed all student loans and creditors. No one showed up. No one filed an adversarial proceeding. Then 3-1/2 months later I received a call wherein there told me I had to repay these loans and had me sign a FFELP Fed Consolidation Loan and Prom Note application. I now ... Read More »

                  I’m Being Sued for a Debt From 28 Years Ago With My Ex-Husband. – April

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                  “Dear Steve, Divorced 24 years ago. Being sued for credit card debt from 28 years ago. Judgment filed against me in 1992. My x-husbands and my name are listed as defendants, “et al”, but only my name appears in the body of the judgment. My x-husband was the applicant and I was the co-applicant. I have no recollection of this ... Read More »

                    Deployed in Afghanistan With a Navy Federal Credit Union Car Loan They Want Me to Pay. – Devon

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                    “Dear Steve, Well here goes: I had an auto loan with NFCU (Navy Federal Credit Union) back in 2007. I paid all my monthly payments on time up until I was honorable discharged from the military in Dec 2008. Now I would’ve stayed in knowing all my obligations to creditors and various other bills, but at that time there was ... Read More »

                      I Co-Signed for a Car Loan But Now I Need to Get One. – Wanda

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                      “Dear Steve, In 2011 I co-signed on a loan for my daughter. A few months later her fiance totaled the car. The insurance took care of everything. She was able to get another car, but I also co-signed for this one too. She’s good at making the payments. I have a 2005 Honda Element and the transmission has gone out ... Read More »

                        InCharge Credit Counseling and ClearPoint Can’t Lower My Payment Much. – La Nesha

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                        “Dear Steve, I am a single Mother living on a income of $30000 a year. I have almost $40000 in credit card debt. I am currently paying $925 a month in rent and making the minimum monthly payments on each card/loan. What do you think I should do? I have contacted InCharge Credit Counseling and ClearPoint Debt Management and I ... Read More »

                          I Fear I Made a Hasty Decision Enrolling With World Law Group. – Rhonda

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                          “Dear Steve, My husband’s commission from work dropped considerably and I have a reduction of hours at work. We just didn’t have enough money coming in each month to cover what should be going out with bills. In September 2011 I recieved something in the mail for World Law Group. I didn’t fully understand debt settlement; I didn’t do my ... Read More »

                            My Student Loan Was Discharged in Bankruptcy But I’m Being Garnished. – Patricia

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                            “Dear Steve, 1987 Student loan discharged in Chapter 13 bankruptcy that was filed in 1992 and discharged in 1995. Now I am being garnished. What can I do? I have a student loan that was from 1987 that was paid and discharged through a Chapter 13 bankruptcy in 1992. I have the papers to prove this. A company called ECMC ... Read More »

                              Is Mathys Law Group Safe to Work With for Debt Settlement? – Mary

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                              “Dear Steve, I have a total of 4 credit cards and I have fallen behind on one with a large $40,000 balance. After consulting with a credit counseling company, and taking down all the numbers for daily expenses, I was $1400 in the negative at the end of the month. I told them I have had health problems, haven’t made ... Read More »

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