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Ask The Get Out of Debt Experts

My Son Fraudulently Signed My Name to His Student Loans. – Bob

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My son whom has been rehabbing from a drug addiction, signed my name to 80k of school debt, did not finish school yet but is working hard to get his life on track . The lenders are hounding me now for this money . He is telling me to contact them and tell them he has committed fraud, However as ... Read More »

    Pay Day Loan Consolidation Advice

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    I have several pay day loans and would like to know who I can go about consolidating them into one lower monthly payment. Anne The Answer Dear Anne, There are good options for unsecured debt consolidation through LendingClub.com and Proper.com. I’ve recommended those companies to people in the past and people seem to be happy with either of those companies. ... Read More »

      I Filed Bankruptcy Myself But Not Clear if My Student Loans Were Discharged? – Michael

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      I was discharged through chapter 7 in Oct. 2011. I have two loans in question. One from Wells Fargo and one with the University of California, Davis. I want to know if either were discharged. The loan from UC Davis was issued from the University. They deposited money into my account after I submitted an application for a short term ... Read More »

        Steve Rhode Who The F..K Are You to Say Anything. Stop Giving Advice

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        “Dear Steve, Steve is not licensed in anyway to give financial advise so im not sure what makes him think he can do so. Steve, stop talking s..t on companies and corporations who are trying to help people, yes some companies are not legitimate but who the f..k are you to say anything. Stop giving advise about things you have ... Read More »

          Why Are Some People Unsuccessful When Getting Out of Debt? – Denise

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          Steve, From the work that you have done helping people, I’m sure there are some people that are unsuccessful. What are the biggest reasons, in your opinion, that people are unsuccessful. Thanks, Denise The Answer Dear Denise, That is an excellent question. There isn’t one answer but a series of issues that lead people to not achieve the results they ... Read More »

            My College Won’t Release My Transcript Because They Claim I Owe Them Money. – Reshene

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            My college won’t release my transcript or transfer my credits to a community college because they claim i owe them $950. This is untrue because I paid for semester that i did not get to attend because i was on sick leave and i was turned down for more student loans and couldn’t get a cosigner. So my school ask ... Read More »

              Accredited Debt Relief and InCharge Debt Solutions Advice Needed. Should I Go With Them? – Ashley

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              I read your article about incharge and accredited debt relief and i acutally have a time set up to speck with a guy named Ted at accredited. Can i send you a copy of the terms and see what you think. My husband and i are trying to determine if we should use them or do this on our own. ... Read More »

                Can I Accept Responsibility and Pay Off My Debts Without My Husband’s Assistance? – Debt

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                I am 47 years old with credit card debts totally about 15K and Student Loans in excess of 30K. I married my husband 2 years ago in order to provide health insurance for him and his son due to employment changes. Shortly after our marriage, my employer decided to close the doors where I was working – leaving me with ... Read More »

                  Should I File Bankruptcy After My Divorce? – Marie

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                  I was married for 11 years. My credit was always in good standing and I paid my bills on time. My now ex-husband and I kept all of our banking and credit card accounts separate. Reason being is that his credit was really bad. Due to helping bail him out of financial disasters over the years and having to use ... Read More »

                    Living With In-Laws, Deep in Debt, Husband in Denial, Marriage on the Rocks, and I Need Debt Relief! – Sharla

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                    My husband and I both have federal student loan debts (US Dept of Ed and Sallie Mae). We have already each consolidated and are on 20 year repayment terms. He used credit card in college so we had $8000 credit card debt when we began our marriage. We were able to make payments, but have never paid it totally off. ... Read More »

                      Bankruptcy Attorneys Report Major Problems Brewing for Holders of Student Loan Debt

                      The National Association of Consumer Bankruptcy Attorneys conducted a survey of its members. Of the 860 bankruptcy attorneys that participated in the survey, 81 percent said potential clients with student loan debt have increased “significantly” or “somewhat” in the last three-four years. Nearly two out of five of bankruptcy attorneys (39 percent) have seen potential student loan client cases jump ... Read More »

                        Can We Get a Loan on the Equity in Our House Without Refinancing? – Dorothy

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                        We want to get cash out of our house, but wonder if we can do this without refinancing the house. Because if we refinance it will take longer to pay off the house. We have 6 more years to pay on it. We want to consolidate our bills with the cash. The Answer Dear Dorothy, If you are basing your ... Read More »

                          I Might Have Fallen for the National Debt Relief Hardship Program. – Pam

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                          I received a letter much like what Ive seen here on your website. I may have gone too far with them and given them too much info. Especially if they are a tricky collection scam. Not sure how to proceed. I have fallen behind in my credit card payments for one card do to an unforeseen medical problem. I am ... Read More »

                            Am I Legally Obliged to Pay Security Credit Services that Bought My Debt? – Julie

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                            I have debt with Wells Fargo, I’ve received a court summons from an Attorney’ Office which is representing a company called “Security Credit Services, LLC” which must have bought my debt from Wells Fargo. I do admit that I had a loan from Wells Fargo some time ago and ran into some hard financial times and was unable to make ... Read More »

                              Credit Cards and Government Student Loans Need Debt Relief and Debt Advice to Enter Military. – Paul

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                              Sir, I wanted to ask you what my options are concerning my credit card and government student loan debt, as it seems that everyone has special interests and they are not primarily interested in helping you first when it comes to debt relief. When I went to college in 2003 right out of high school I was a full ride ... Read More »

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