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Ask The Get Out of Debt Experts

Can’t Pay on My Chase Private Student Loan. – Scott

Fallout Shelter Sign

“Dear Steve, Back in august of 2007 I took out a student loan. This student loan was in the amount of 5,000 from Chase Private student loans. Recently i was involved in 2 car wrecks and could not make a payment. Yesterday i received a notice from chase recovery department telling me my payment is due in full. I have ... Read More »

    IRS Offers Payment Plans to Those Having Money Troubles

    IRS

    If you owe the IRS taxes and you’re having a difficult time paying, you’re not alone. In 2010, 23.9 million individual taxpayers filed a tax return with a balance due. More than 20 million taxpayers paid the tax with their return, after the first IRS notice, or after receiving an extension to pay from the IRS. However, another 3.8 million ... Read More »

      My Private Student Loans with Citibank and Sallie Mae Are a Mess

      student loan debt

      “Dear Steve, I am currently in student loan repayment. I have consolidated my federal loans, but my private loans are a mess. I had 4 through Citibank, but 2 of them were “bought out” by Discover. So now I have 1 monthly payment for my federal loans and 2 monthly payments for my private loans. I also have another private ... Read More »

        Can I Still Do an Adversary Filing on My Old Bankruptcy Over Student Loans?

        Student Loan Corkboard Concept

        “Dear Steve, My wife and I filed for bankruptcy in 2005. I tried including my student loans but was told I couldn’t. I was never told about this adversary filing. I filed for bankruptcy as a result of medical illness. At that time I was Declared legally disabled for a closed period of time.(yes during the time of filing) I ... Read More »

          Can I Be Made Bankrupt in the UK for UAE Debt?

          uk

          “Dear Jon, Returned from UAE 18 months ago due family illness ,had a credit card loan which I was paying off but due to the urgency of Illness left to come home. Since return home have been unable to work so cannot pay back. Have recently received a UK solicitors letter to mothers address threatening proceedings through a Northampton court ... Read More »

            Will I Be Able to File a Debt Relief Order in the UK from South Africa?

            uk

            “Dear Jon, I am currently on mat leave and have just recieved my final months smp. I will not be returning to work and will be a stay at home mum. We have temporarily moved to South Africa from the uk as my boyfriend has been offered work – we aren’t sure if this is permanent yet. We do not ... Read More »

              I’m an Optometrist Trying to Eliminate My Student Loans. – Jennifer

              Debt Consolidation Loan Approved Stamp Shows Consolidated Loans Agreed

              “Dear Steve, Optometrist graduated in 1996, consolidated student loan debt with Sallie Mae shortly there after, HEAL loan at 9% interest fixed, other loan 4% Stafford? Been paying over 17 years on debt and am current. Also have about $30,000 in credit card debt unable to bring down, husband has about $30,000 as well. What can I do to consolidate ... Read More »

                I Filed a Chapter 7 Bankruptcy are My Student Loans Discharged? – TMD

                Student Loan Corkboard Concept

                “Dear Steve, I filed ch 7 in 2011 & was succesful. My student loan was listed under my debts discharged but not in the student loan area. If my student loan debt was discharged as a listing of all of my debt but not under the student loan section of the paperwork should I still have to pay it or ... Read More »

                  Sallie Mae Won’t Counter My Settlement Offer. – Lauren

                  Student Loan Corkboard Concept

                  “Dear Steve, I have Sallie Mae private student loans ($25,000 or so original loan was $11,000 or so) taken out back in 2004 for Culinary School, Have used all deferment and forbearance and have had quite a bit of being unemployed since, but I have a more stable job now and was trying to work everything out — it has ... Read More »

                    My Recording Arts Degree is Keeping Me From Love. – Ryan

                    hugs

                    “Dear Steve, I am a college graduate with $30,878 in Stafford Loans and $50,932 in private loans. Now I went to a for profit college and I also do admit that I didn’t take as much time as I should have in researching schools. I went to school for a degree in recording arts. Looking back I take full responsibility ... Read More »

                      Sallie Mae is Coming After My Son After His Co-Signer Passed Away. – Diane

                      Certain death

                      “Dear Steve, My father-in-law had co-signed sallie mae student loans for my son approximately seven to ten years ago My son has been paying interst only on these loans of 68,000 dollars. 40,000 dollars is the portion that was co-signed. In April of this year my father-in-law passed away and know sallie mae is telling us that this money is ... Read More »

                        How Can I Find a Student Loan Bankruptcy Attorney? – Katina

                        student loan default

                        “Dear Steve, Thinking about filing bankruptcy but I keep being told it will not cover student loans How do I find a lawyer that will help me file bankruptcy that will include my student loans? Katina” The Answer Dear Katina, I understand what you basically want to do but I think you are asking the wrong question. It’s a long ... Read More »

                          I Have Stage 4 Colon Cancer and Student Loans. – Maria

                          'Cancer' highlighted in green

                          “Dear Steve, 2001 got private student loan grandfather co signed. Grad 2007 after a divorce and a child born in 2008 I had finical hardship. Ive paid on time in 2012 . 2013 diagnosed with stage 4 colon cancer im on full disability, my co borrower is now 87 and on ssa as well. Its 160 days past due. What ... Read More »

                            Can I Get a Mortgage After a Chapter 13 Bankruptcy? – Kellie

                            Real Estate Concept

                            “Dear Steve, I recently discharged my ch 13. I am interested in understanding how long I should wait to consider a new home purchase. My fiancé has excellent credit but I contribute the bulk of the income. I am hoping that the 2 years you eluded to can be minimized with his credit history. Thoughts? Kellie” The Answer Dear Kellie, ... Read More »

                              How Can I Find My Individual Taxpayer Identification Number? – Miriam

                              IRS

                              “Dear Jim, When I was younger my aunt got me an ITIN number from the IRS so that she could claim me as a dependent on her taxes. Now that I’m an adult is that ITIN number still valid? and if it is how do I find out what the number was? Thank you. Miriam” Hi Miriam: In order to ... Read More »

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