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Ask The Get Out of Debt Experts

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 »

                        Ocwen Condo Foreclosure in Limbo Leaves Me Worried About HOA Fees and Mortgage Modification – Frank

                        do nothing

                        “Dear Steve, Condo in foreclosure since May 2011, mortgage previously with GMAC, now taken over by Ocwen. Retired in January and wrongfully assumed I could just start making payments on the mortgage. Halt, you must go through a modification with Ocwen to stop the foreclosure. Agreed and sent all paperwork and info they requested. Ocwen rep calls weekly to check ... Read More »

                          My Debt to Income is Very High and Nobody Will Give Me a Loan – Lisa

                          life begins at end of your comfort zone

                          “Dear Steve, I am living on social security and savings, which are quickly becoming very scant. As my roof leaked over my head as I was sleeping, realized I needed to do something about this and thus began my quagmire (good word!) of a problem. Paid $8000. from five 0% promotional credit cards, carefully figuring out how much each card ... Read More »

                            What Happened to ABC Legal and Did They Take My Money?

                            under construction

                            “Dear Steve, What can be done with THE ABC LEGAL GROUP? The Wesbsite is down… Am I screwed…I am a widow with 3 children.. MY husband passed away back in 2009. I have done some research… and found the following information NEW OWNER FOR ESQUIRE LITIGATION…. I have spoken to a woman named Shirley. She has no idea what she ... Read More »

                              The Bankruptcy Trustee and Attorney Screwed Up My Bankruptcy. – Teresa

                              keep going

                              “Dear Steve, Our bankruptcy has came to an end but in going over the details, I found MANY unethical things. 1 – it seems my attorney and the trustee were in each others pockets. 2 – the credit union put a $65 a month insurance on the vehicle that was through them but I have always carried full coverage insurance ... Read More »

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