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Ask The Get Out of Debt Experts

Can I Ditch Golden State Debt Management and Save Money? – Art

process

“Dear Steve, I am using the Consumer Credit Counseling program with Golden State Debt Management. It involves me allowing them to deduct $625 per month from my checking account. In total, they keep about $125 in fees each month. High. But even including those fees, I’m still saving $90 / month versus the astronomical interest I was paying before. (The ... Read More »

    Is Credence Law Group a Legit Company or a Scam? – John

    puzzle

    “Dear Steve, I have been approved for a loan modification thru Credence Law Group. They are now asking for $3600.00 fees. They say they are sending paperwork and contracts for me to sign tomorrow. I need to know if this company is legit? I have nothing in hand to confirm that I am approved. What can you tell me about ... Read More »

      My Experian Credit Report Still Shows Old Negative Items – Joseph

      Writing Q&A, Questions and Answers on a blackboard.

      “Dear Steve, I just received an investigation report from Equifax that the 03/2008 Collection Account has been fully paid since 03/2010 and is currently reporting a zero balance for this account. Yet, when I printed my 05/21/2013 Credit Report the said account is still listed with Experian and a part of my High Impact Differences. I also had fully paid ... Read More »

        Cockburn & Associate Claims Make Me Wonder If They Are True – Georgia

        canada-new-car-window-sticker

        “Dear Steve, I have quite a bit of debt outside of my mortgage about $60,000 and it is causing us much stress and it just seems to keep going up rather then diminishing at all so I have been trying to figure out ways to pay it down this is how I came across the company I have a question ... Read More »

          My Retirement Plan Won’t Let Me Borrow Money to Settle My Debt – Quincy

          Dollars and Stopwatch

          “Dear Steve, I’m thinking of using some of my reitrement to help settle my debt. But my retirement says if I refund the money I will lose all benefits to it. I’m with the Arizona State Retirement System. I do not want to take it all out, just enough to cover my debts. Will I be penalized for this and ... Read More »

            My Bank Won’t Give me an Auto Loan Because of My Past Repossession

            Why?

            “Dear Steve, Almost 7 years ago I voluntarily turned my vehicle in for repossession. I wasn’t behind, but I knew I couldn’t afford it and handle a mortgage since I was purchasing a house. Fast forward to this day it is on schedule to be removed off my credit in January of 2014 according to my bank (auto loan department). ... Read More »

              I Feel Like I Made a Mistake Going With Student Loan Processing.us – Terry

              black-hole

              “Dear Steve, I have used student loan processing.us to help consolidate my student loans. Unfortunately, I didn’t do good enough research before, now I am stuck. Their payments and interest rates are higher than quoted and they did not tell me this before sending my loan info on to my new lender. Now they refuse to allow me to cancel ... Read More »

                Credit Card Fraud Protection in Australia, UK and the US

                punched-in-face different

                In Australia, United States and United Kingdom, credit card use appears much the same. The names are familiar – Amex, MasterCard and Visa are the dominant players in all three markets. But the card issuers responsibilities to consumers aren’t quite equal. While U.K .and U.S. consumer protection schemes have convened into a general code for credit card users across the ... Read More »

                  I’m a Real Estate Agent and Facing Bankruptcy – Kelly

                  Disaster comes when we least expect it. There is no good time for a financial tornado.

                  “Dear Steve, My husband and I have been down the bankruptcy road and it was discharged. I am embarrassed to say that only eleven years after the discharge, we are now possibly having to consider filing again. We have one child and my husband makes $75,000 a year. I work as a Realtor but pay has been slow and I ... Read More »

                    Army Soldier Wants to Fix His Credit After a Messy Divorce

                    Meeting with Pusht-e Rod leadership

                    “Dear Steve, 26yr old Army soldier trying to fix credit after a messy divorce a few years back. I was deployed, she decided to leave, and stopped paying on just about everything that was in my name without my knowledge. Upon my return, I joined “freecreditreport.com” to continuously monitor my credit and my debts, and I contacted and paid and/or ... Read More »

                      Home Owners Advocacy Group – Contract Review

                      HOAG1

                      A reader sent in a contract with Home Owners Advocacy Group they had recently signed for some sort of mortgage assistance of foreclosure avoidance. I am now a lawyer. What follows is my opinion of different sections of the agreement in an effort to help readers better understand what to look for and what it means. If you have a ... Read More »

                        Why is My Ex-Husband Not Responsible for This 1099-C From the Repossession?

                        hiding-1

                        “Dear Steve, Divorced single mom of three. The IRS held my last years refund of $9000.00. I finally asked them why and they said I failed to file a 1099-C from a 2006 repossesion and the vehicle was awarded to my ex in the divorce. The amount on the 1099-c is 10,300.00. I can’t afford to amend the return and ... Read More »

                          We Have Some Items On Our Credit Report We Want Removed – Lisha

                          No problem

                          “Dear Steve, We started to have troubles making payments. Did Bankruptcy. Trouble again and we re-fied our house not once or twice about 4! Took a 2nd out… Around and around sprial…. husband lost his job. Lost house. Moved out of state and did Bankruptcy AGAIN! It was bad decision after bad. And it was all in thinking we were ... Read More »

                            Are All Student Loan Assistance Companies a Scam?

                            Business Meeting

                            “Dear Steve, I am a bankruptcy attorney and looking to provide services to those with student loan problems, as well. You appear to believe most or all companies that help you with student loan issues are scams. Do you think there is any student loan service that can be provided to the public that is not a scam? I genuinely ... Read More »

                              Asset Rich But Cash Poor. Want to Settle My Debt and Pay for Delete

                              family portrait

                              “Dear Steve, I have a different problem than a lot of your readers. I have lots of assets, but my income is very limited. I have property worth about a million dollars, but because it is more than 5 acres with a manufactured home no one will loan against it. In about 2 years will start collecting social security so ... Read More »

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