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Ask The Get Out of Debt Experts

How Can I Sort Out My Serious Debt Problems in the UK? – Sakina

uk

“Dear Jon, My family’s facing serious serious debt problems. The rent is unpaid too and we might be leaving the house anytime soon. And the banks are waiting for their payments too. How do we sort it out? Sakina” Sakina, I have a few questions to help me better understand your situation and offer solutions. Are you living in the ... Read More »

    What Action Can be Taken Against me in the UK for My Dubai Debts? – Rehan

    uk

    “Dear Jon, Was working in Dubai for 4 years. Left the country with Credit Card debt of up to 90,000DHS. Now back in UK. Can you please inform me what kind of action can be taken against me for leaving credit card debt in the UAE. I left the UAE almost 3 years ago and have just recently received a ... Read More »

      My 5Star Bank Secured Card Was Sold to UMB Bank. They Want Money.

      Boom! Comic Speech Bubble, Cartoon.

      “Dear Steve, UMB Bank inherited this debt from 5Star Key Bank. Even though this was only one account, a credit card secured with my original $750 payment, UMB Bank now claims that I owe them $750 becuase they claim that there was a savings account and a credit card. They claim that the check that they sent to me in ... Read More »

        My Apollo College Student Loan Was Sold to Sallie Mae

        happy woman in wheelchair outdoors beach showing victory sign

        “Dear Steve, I enrolled in Apollo College’s Vet Tech program in 2003. Through them I obtained a loan from First National Bank for the tuition of around $6,000.00. One of the first questions I asked the loan officer was whether or not my loan was of the type that would later be sold to another agency. I was assured that ... Read More »

          Can a Credit Union Chase Me to Another State for an Old Debt?

          Adult Ed - Questions

          “Dear Steve, I have a debt from a local credit union in Texas. Last payment made December 2009. My credit reports shows it as collection/charged off. However they still show a balance. The Texas SOL is 4 years. I have not lived in Texas the whole time, I have lived in Florida and Texas since then. I have kept the ... Read More »

            Can My Bank Account and Retirement Income Be Seized if I Can’t Pay a Debt?

            Mature woman confused

            “Dear Steve, I was sued by a law firm in the state I lived in for an unpaid debt. We went to court and there was an agreement for a monthly payment plan. Can the law firm freeze my bank account if I can’t pay the debt? I am on social security and have a civil service retirement. Frank” The ... Read More »

              I Was Scared With Wage Garnishment and Paid Again a Debt I Previous Settled

              angry woman

              “Dear Steve, I used to have various payday loans back in 2009-2010 that I settled through a company but somehow back in April of this year, I received a called from my HR Department to let me know that my salary was about to be garnished by an agency because I had a balance of $600; even though I requested ... Read More »

                Unemployed and No Income. Will Creditors Come After My House? – Chris

                body outline

                “Dear Steve, I lost my job (no advance notice) in June 2007. I was unemployed for 75% of the next 5 years. I worked for 23 months (4-2012 to 3-2014) and again lost my job. I work as a consultant primarily for Caltrans as an Inspector (bridges). In the last 6 months I’ve worked less than 60 hours and am ... Read More »

                  Why Do I Feel Guilty Using My Credit Cards to Survive?

                  Senior couple at home focusing on angry man

                  “Dear Steve, In 2008 I was a building contractor in Florida and had all my money invested in Real Estate. With the money I had I keep paying until I just ran out of money. I now live in South America and depend on my credit cards to survive. I rent out my house but is not enough to keep ... Read More »

                    Can I Get a Police Clearance Certificate to Return to the UK? – Sanny

                    Uk Law

                    “Hi Jon, I have lived in Scotland for about 4 years. I bought a laptop had paid an initial amount £800 and £300 on my credit card. Due to personal reasons I had to leave UK in emergency in 2010 . I am due with installments for the laptop and credit card. I couldnt return to UK. I am looking ... Read More »

                      How Can I Get Sallie Mae to Settle My Student Loan Debt? – Julio

                      Drowning swimmer

                      “Dear Steve, I have been paying on a $65,000 private student loan for about 4 years I worked out a deal where I pay interest only around $400 a month. None of the money goes to the actual principle. The original loan was for $30,000. Recently Sallie Mae started asking for $700 a month and I can not afford that! ... Read More »

                        How Can I Repay My Sallie Mae Student Loans When I’m Broke?

                        time and money

                        “Dear Steve, I have 8 private tuition answer loans from Sallie Mae in the total amount of $138,000 taken out between 2004-2008. After school I was able to make some payments and paid the $150 forbearance fee. Then after the crash of the economy I have not found employment that would give me enough income to cover my living expense, ... Read More »

                          How Can I Get Rid of My Private Student Loans if I’m Disabled? – Wayne

                          Thinking

                          “Dear Steve, I have had Federal and private student loans. I have Total & Permanent Disability discharge of the Federal loans. My private signature loans are with Sallie Mae. I have not been able to work forever. I have defaulted on the loans. I have not paid on the loans since Sept. 2010. The loans have been turned over to ... Read More »

                            FTC Asks Court To Shut Down Phony Debt Relief and Credit Repair Scheme

                            scam

                            The Federal Trade Commission asked a federal court to shut down a scam that targeted financially distressed Americans by pitching a phony debt relief and credit repair program, and by falsely claiming the program was provided and funded by the federal government and endorsed by President Obama. The FTC’s complaint targets the operators of two websites that were allegedly full ... Read More »

                              Is It True My Sallie Mae Student Loan Could Have Been Discharged in Bankruptcy? – David

                              Student Loan Corkboard Concept

                              “Dear Steve, I filed Ch 7 in 2008 and had federal & private student loans. For the student loans in question, I took out federal loans (from Sallie Mae) that paid for the full cost of attendance. These loans are now in a repayment status. I also took out private loans (from Sallie Mae). these loans were not certified by ... Read More »

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