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Ask The Get Out of Debt Experts

Checking Out Solicitation By Brookstone Law. – Gene

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“Dear Steve, I just discovered your website while doing the background work on my solicitation by Brookstone, PLC, as stated in my recent (todays 4/19/2012) blog.The work you are doing is truly helpful and I for one am very grateful for this expertise. Is Vito Torchia Jr. a “hero of the day ” or a goat? All I and the ... Read More »

    Is Preferred Law Legit? They Won’t Put Guarantee In Writing.

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    “Dear Steve, We were contacted by Preferred Law LLC about getting a modification of our home mortgage They painted such a rosy picture of reducing our mortgage rate by 2-3 pts. which would save us thousands over the term of our loan. I read your article about Modifiation Review Board LLC, based in Sandy Utah, which when sent the final ... Read More »

      How Bad Will My Credit Drop if I Use Money Management International? – Dave

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      “Dear Steve, Racked up credit card debt when I was young I have about $17,000 in credit card debt. I heard about Money Management International because Bank of America recommended them to me because I was trying to get my payments lower. Is this company legit? How bad will my credit drop? Dave” Dear Dave, Regardless of what a credit ... Read More »

        Unemployment and Parkinson’s Have left Us in Debt. Should We Use IRA Money? – Mary

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        “Dear Steve, Due to my husbands unemployment and reemployment at a lower salary and my very small salary due to Parkinson’s disease, we have built up a very large credit card balance. About $40,000. We are barely making ends meet. We have about $200,000. + in an IRA and my husband is 60. We were/are hoping our house would be ... Read More »

          We Don’t Have a Lot of Debt But Can’t Make Ends Meet Without Overdraft. – Shannon

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          “Dear Steve, My husband and I have 3 small children and he has two children from a previous marriage. We are currently only in about 13,000 in debt but cant catch up any payments making it seem harder to get it together on a budget. As I indicated, we are approximently 13,000 in debt. This comes from family, finance companies ... Read More »

            I Can’t Get In Touch With Allegro Law. Help! – Debi

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            “Dear Steve, I am a current customer of Allegro Law and am having major issues. Now their number are disconnected. My creditors are all suing me for lack of payment I have a huge mess on my hands. Can you please be of any help to find me the correct phone number so I can proceed to contact them ASAP? ... Read More »

              A Debt Consolidation Company Signed Up My Elderly Parents On a Program They Can’t Afford. – Harley Jean

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              “Dear Steve, I am trying to help my parents who are 76 and 80 years old. They have 30,000.00 in Credit Card Debt. Mother without my knowing signed up with a consolidation company and agreed to have 800.00 taken out of her Checking Account monthly, they do not have this money available. I now know they have been living on ... Read More »

                My Husband And I Are Afraid of Bankruptcy But Have a Lot of Debt From Child Support and Custody Issues. – Jennifer

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                “Dear Steve, My husband and I have been married for almost 9 years. About eight years ago we took my ex husband to court for custody issues involving my children. This took about 6 and half years and thousands of dollars. We paid for the court cost and attorney fees by getting cash advances on credit cards. We also have ... Read More »

                  Should I Accept the Settlement Offer From the Debt Collection Agency?

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                  “Dear Steve, Until five years ago, I had been having horrible credit problems. I stopped paying everything from the past, and started living without credit, spending within my means. Almost everything has fallen off my credit report, since most are over 7 years old. I have one bad account that is only five years old. I received an offer to ... Read More »

                    Loss of Family Member and Income Leaves Me Unable to Afford My Mortgage

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                    “Dear Steve, I recently lost a family member this February who’s name was on the mortgage also. I am not able to pay the current mortgage amount because there is only one income now. I received a Mortgage Relief Advisory flyer in the mail also. I called and gave a little information and the advice I received was to get ... Read More »

                      My Son Was Approved for a Mortgage Way Above His Means. – Anna Marie

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                      “Dear Steve, My son and his wife were approved for a mortage way above their means. The realtor of course only showed them homes at the top prices and made it sound like no others were available. She then got them a home inspector which seemed to miss that the whole house was falling down. Now they have been in ... Read More »

                        I’m Covered By Medicaid But My Doctor is Suing Me For The Bill. – Laura

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                        “Dear Steve, I live in new york state, have an income below the federal poverty level, and recieve medicaid benefits. 9 months ago, when i was pregnant (approximately 3 weeks before my due date,) I visited new jersey. when i was there i began hemmoraging. i went to the nearest emergency room, was admitted and recieved treatment. this hospital (and ... Read More »

                          Should I Hire UFAN, Consumer Protection Assistance Coalition or File Chapter 13 Bankruptcy? – Ivan

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                          “Dear Steve, WF dragged me for one year and 3 months to get the Loan Modification. I got assisted by housing services of LA county “agency approved per HUD to help people to avoid foreclosure. The last attempt again offered by WF offering HAMP was after I submitted a complaint against them with the Consumer Financial Credit Bureu. I sent ... Read More »

                            I’m Very Disappointed With You Letting Others Answer Questions. – Vincent


                            “Dear Steve, Steve, this is not a question, but rather a criticism: I have no idea as to why you run a website for the purpose of people to get information about debts, and options of what they can do if indeed in debt if all you are going to do when publishing a reader’s question is to answer with ... Read More »

                              I’m a Colon Cancer Survivor With No Work, No Savings and a Leaking Roof

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                              “Dear Steve, I am a 72 year old woman…. With a reverse mortgage and a roof that is leaking into my bedroom of my town home where I have lived for 19 years. I owe $112,000 on my home that is now worth $60,000 maybe. I get $8,000 a year, $725 a month, I am unable to work and have ... Read More »

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