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Ask The Get Out of Debt Experts

Falling Behind and Living Check to Check. What Should I Do?

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“Dear Steve, I have too many bank loans from various financial institutions. I have falling behind and I am living check to check to the point where it is hard to pay my bills. Can I consolidate the loans or is that a bad option. I really don’t want to get more loans I don’t know what to do. Omari” ... Read More »

    Should I Just Wait for My Social Security Income to be Garnished for the Student Loans? – Mari

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    “Dear Steve, I am 69 years old and live on Social Security. I returned to school 2 years ago and recently graduated with an Associates of Science degree. I have difficulty in finding a job in my field which is Early Childhood Education. Additionally, I have arthritis on my left hip and my left knee and leg pain terribly to ... Read More »

      Is World Law Group Legitimate? – Jeff

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      “Dear Steve, I have a relative who has engaged World Law Group to help negotiate down his credit card debt I’m wondering if there is any way to know if this group is legitimate and if there is a general recommendation regarding this firm versus other firms of this type. Jeff” Dear Jeff, Yes, make sure no debt settlement firm ... Read More »

        I Have a Really Old Judgment Against Me. When Will it Vanish Off Credit Report?

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        “Dear Steve, I had a auto loan in which the car was wrecked a month after I got it thanks to the hubby in Tennessee. The car had no insurance on it to cover it when it was totaled so I was sued when I didn’t continue to make payments and they won by default cause I didn’t show cause ... Read More »

          Debt Restructure Group and Next Generation Debt Settlement is a Scam. I Want Revenge. – Joe

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          “Dear Steve, Debt Restructure Group, Next Generation Debt, Scam!!!!! Phony addresses, no service, lie, No response. Experiencing almost in exact detail what others have posted about these companies. How can we stop them! I’ve stopped the bleeding but now I want revenge…for the people! Joe” Dear Joe, I’m not really in the revenge business so I’m not sure what to ... Read More »

            What Should I Expect When I Settle My Debts? – Tes

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            “Dear Steve, I have several collections & charge-offs on my credit report. I am getting ready to have some money to hopefully pay off several of these. Today, I have contacted 5 or 6 of the companies by telephone. For one, I was told they would settle for almost half. Some of the creditors – mainly collection agencies or attorneys ... Read More »

              Macy’s Won’t Settle With Me on My Past Due Account

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              “Dear Steve, I have defaulted on a Macy’s Account. I have sent multiple letters explaining my situation and wanting to try to settle etc, but they just keep sending bills and will not respond to my request. Steve, I wanted to know what I should try to do next. My husband was laid off from work last year suddenly around ... Read More »

                Can I Get My Repossessed Truck Back if I File Bankruptcy? – Melissa

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                “Dear Steve, Truck repoed yesterday and they want us to pay 22,000 in 10 days is it true if we file for bankruptcy we can ask for the truck back or is there anyway we can get it back we dont have that much and its our only means of transportation for my 3 kids Melissa” Dear Melissa, You might ... Read More »

                  Single Mother Trying to Raise 6 Kids While Working Part Time. Capital One is Suing. – Sunny –

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                  “Dear Steve, I’ve always paid my bills on time and eventually obtained a credit score as high as 720. I became pregnant in 2009 and 4 months into my pregnancy I started getting complications and was ordered to bed rest by my doctor. I was out on medical/family leave for my remaining 5 months so I only received half of ... Read More »

                    I’m Thinking of Killing Myself So My Parents Don’t Have to Help Me Pay College Tuition. – Derek

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                    “Dear Steve, Im 18 and I decided I wanted to go to school for architecture but then took two weeks of classes and I decided it wasn’t for me, and i also could no longer afford travelung and knoew i couldnt pay the tution not covered by financial aid. So I canceled my classes after two weeks and I was ... Read More »

                      I Filed a Chapter 13 Bankruptcy and Moved. Now I Need My Chapter 13 bankruptcy Modified. – Susan

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                      “Dear Steve, I filed Chapter 13 bankruptcy in August 2010. I had medical issues two years prior and did not pay attention to the finances due to focusing on recovering. After about 18 months I realized I was in major debt. I first went to my creditors to discuss options. I didn’t get any help from GMAC on my mortgage ... Read More »

                        ROTC Was Supposed to Pay My Tuition But I Can’t Get My Transcripts Because I Have a Bill

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                        “Dear Steve, I graduated from college in may of 2010 with roughly a 100,000 dollars of student loan debt. I have deferred my fedeal but as for private they wouldnt let me do so. So now its on my credit and i cant pay because i have no job. First question is how can i reduece this debt. My second ... Read More »

                          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 »

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