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Ask The Get Out of Debt Experts

Will I Be Stopped From Getting a UK Visa Because of Old Debt?

Close up United Kingdom visa in passport
** Note: Shallow depth of field

“Dear Jon, I left UK in the 2013 as my work visa expired. I couldnt pay my bank loan and my account was in overdraft. My bank wasnt closed either. Will this stop me from visiting the UK. Will UKBA not grant me a visa and will i be stoped at the immigration. Any information will be helpful. Appreciate your ... Read More »

    Why is Indian Company Bilqeesh Threatening Me in South Africa for a Dubai Debt?

    Portrait of two boys with South Africa's flag painted on their faces

    “Dear Jon, I was informed by a South African tracking company that I was handed over by Abu Dhabi Islamic Bank in July 2013 and that a company Bilqeesh International were tracking me to my home country. The Credit card limit was 10 000AED but is now standing at over 21 000AED. This amount fluctuated as I enquired about it ... Read More »

      Is Afni Collections Really a Scam?

      Question Theme

      Question: Dear Steve, Do you know anything about Afni Collections? I recently looked into their legitimacy and was extremely confused. There are many websites that allege Afni is a scam. I was contacted by Afni recently. I checked out their website, which shows they are located in California, but many of the websites claiming Afni is a scam state that ... Read More »

        Navient is Being Rude and Nasty But I Can’t Pay

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        Question: Dear Steve, I attended UMFK, took every private and federal loan offered to me for my tuition because I was young and dumb. I graduated with a measly associates in general studies, and work full time as an insurance agent making a take home of about $17,000 ($10,000 of that goes to childcare). Granted I do pay my family’s ... Read More »

          I Went to a Scam School and Now I Have Private Student Loan Problems

          Adult Ed - Questions

          Question: Dear Steve, I got suckered into a month long school that promised a job as a finance manager at a dealership upon graduation. They had all kinds of people working there with a background in dealership management, so I never thought to ask an F&I manager. Once I graduated, I walked into a dealership to apply, and they laughed ... Read More »

            How Can I Stop My Perkins Loan Wage Garnishment?

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            Question: Dear Steve, 3 years ago, I received a letter from my employer stating that there was a judgment against me for a perkins student loan that I signed off on after I graduated, agreeing to pay a debtor (not knowing the damages that this would cause in the future). I should have never signed the contract because I didn’t ... Read More »

              Should I Raid My IRA to Pay the IRS?

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              Question: Dear Steve, I have recently received letters from the IRS about taxes owed from previous filings (2012, 13, 14). I don’t have the financial resources to pay them outright. I am considering using Roth IRA funds to settle the debts. The IRA was initiated over 5 years ago. One of the exceptions to the early distribution penalty is an ... Read More »

                Account Control Technology Didn’t Lower My Parent Plus Loan Balance

                Problem Solving Series

                Question: Dear Steve, Took out a Parents Plus Loan for my oldest child’s college. Right about the time payments were due had to defer them due to economy. Unable to find secure employment. Had to go on state assistance (embarrassed) have 3 minor children at home. ACT (account control technology) offered me another way. Sounded good to me being very ... Read More »

                  How Can I stop Making Payments on My Heald College Private Student Loans?

                  Ask Questions - Button

                  Question: Dear Steve, My student private loan was through chase now its through AES (American Education Services). The school is Heald College graduated in the year 2007. AAS degree in Medical Administration Assistant. When I first applied to the school I was promised to graduate with experience and job placement assistance. Before graduating I asked about an Internship for the ... Read More »

                    What Direction Should I Take to Deal With My Student Loans?

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                    Question: Dear Steve, I recently graduated from veterinary school in 2011. Since then I have been trying to pay back my student loans. I was advised to consolidate my loans in 2012 because if I did this I would only have to pay for 25 years and then whatever debt was left would be forgiven. When advised what the standard ... Read More »

                      Great Lakes Higher Education Authority Says They Can’t Sue Me

                      surprise

                      Question: Dear Steve, In 2001, I took out a private student loan from Great Lakes Higher Education Authority to pay for massage school. After finishing school I took a deferment while seeking work. The payments eventually kicked in and were prohibitively high in combination with high credit card debt and federal student loans. In 2007 I applied for bankruptcy in ... Read More »

                        How Can I Stop Being a Cosigner on My Ex-Wife’s Student Loans?

                        Sagging Economy

                        Question: Dear Steve, I cosigned on two private student loans for my ex-wife when I was 23. Oops. It was during the time when a lot of private loan companies were very predatory. Each loan was for about $40,000 (Total $80,000). My ex and I agreed via a bi-lateral agreement that she would take all responsibility for these loans and ... Read More »

                          Was My Sallie Mae Student Loan Eliminated in My Bankruptcy?

                          Bankruptcy Road Sign

                          Question: Dear Steve, Hope you can give me the answer that I want. : ) I filed for bankruptcy in 2010 and the final discharge date was February 1, 2012. Included in the creditors’ payment was Claimant: Sallie Mae and the payment they received $2,566.88. Does this mean that my student loan was included in the bankruptcy? Does this mean ... Read More »

                            Where Can I Get Money for International Medical School?

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                            Question: Dear Steve, This is my second time asking you a question. It has been a while now, but I want to say thanks!!!! I really admire your desire to give FREE advice Steve. We need more people like you in this world!!!You are a wonderfully great person. My question is I am in a medical school out of the ... Read More »

                              Lesbians Languish in Loads of Liabilities

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                              Question: Dear Steve, After ending my domestic partnership I was single and on my own financially for just under three years. I have since re-married, but incurred approximately $30,000 in credit card debt, while I was the only income for my family of four. I have $13.5K debt on a card with 12% APR. I have $16K debt on a ... Read More »

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