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Ask The Get Out of Debt Experts

I Don’t Want to Ruin My Credit for 10 Years and File Bankruptcy. – Mary

Decision time

“Dear Steve, 40K in cc debt…been in collections for at least a year with a recent summons from Discover. Have been unemployed off and on, trying to find full time work for approx. 6 yrs and just landed a ft job at $14/hour. Working per diem jobs as well. Really don’t want to do BK..I like my bank and the ... Read More »

    I Had Cancer, Lost My Job and Filed Bankruptcy. I’m Sinking Again. – Deborah

    adding up

    “Dear Steve, Around 2000 I tried a debt consolidation company years ago and they took my money. So I had to file bankruptcy. Well I got Cancer. Then I lost my job in 2009 and did not find another for over 2 years. I have had to use a lot of credit cards for medical and to live on. I ... Read More »

      I Really Don’t Want to File for Bankruptcy. – Marsha

      SONY DSC

      “Dear Steve, I was out of work for three years, and during that time I defaulted on all my bill payments. I want to be debt free, but I dont know where to start, because I just can’t afford to pay all that money, even if they all set me up on a payment plan. How can I approach this ... Read More »

        I Bought a Car With Bad Credit. Should I Refinance? – Joylynn

        casual woman saving money

        “Dear Steve, I bought a newer car in 2011. I am paying 8.61% because of past credit card problems. I couldn’t get a co signer so I just went with it. Now I have paid (on time 100%) on it for two years. I am now starting a good job and I want to refinance to get a lower interest ... Read More »

          Are Any of These Companies Legit for Me to Work With to Eliminate My Debt? – Bonnie

          everything at once

          “Dear Steve, I have several payday loans and four credit cards. have been talking to AmOne, ScoreSense, Pay Day Loan Debt Assistance, and Consolidated Credit Counseling Services. The constant phone calls from all of them are driving me crazy. I can’t decide whether any of them are legit and will be able to help me or if I should just ... Read More »

            We Are Going Through Bankruptcy to Get Back to Saving. – Jim

            traffic

            “Dear Steve, We have been through the ringer, especially the past couple of years and have resolved to go through bankruptcy so that we can get back from minimum monthly payments to saving. My question is, what is the best way to handle car leases in bankruptcy. We have 2 leases and after looking at our budget without emotions getting ... Read More »

              My Son Has HIV and My Husband Fled the Country. My Debts Scare Me. – Suzanne

              going to be amazing

              “Dear Steve, I am a 63 year old woman with a 27 year old son that is not in the best of health, due to his HIV positive status. My husband fled to Canada, after an arrest for domestic violence. I am now locked into an interest only mortgage, and even if I did pay a little more each month, ... Read More »

                I Was Approved for a Debt Consolidation Loan. What Now? – Ricardo

                You want your pilot to use a checklist so they don't miss anything important, don't you?

                “Dear Steve, Thank you so much for a great site of information! I just contacted LendingClub.com and was approved for a little under $30k. I was looking for the full amount of $35k, but no need to get greedy, right? LoL very thankful for what was offered. My question involves what exactly to pay off. 5 credit cards totalling just ... Read More »

                  Should I Use Credit Counseling, Do It On My Own, or File Bankruptcy? – Carol

                  Financing a budget

                  “Dear Steve, I currently have $34,411 in credit card debt, with most cards being close to the limit. In addition, I have $23,422 in an auto loan. My gross pay per month is $5772 and my net pay per month is $3259. My living expenses (including rent and car payment) are about $2300 a month. My monthly payments for my ... Read More »

                    We’ve Struggled to Pay Off What We Can. – Maggie

                    change

                    “Dear Steve, In 2009 my fiance and I had an income of approximately $60,000. We lived more than comfortably. Over the course of the next two years however, we had a sick baby whom I chose to stay home and care for, he lost his job, had to surrender one of our two new cars, defaulted on personal loans, credit ... Read More »

                      I Turned My Toyota Back In and Can’t Afford to Pay the Big Bill Due? – Alma

                      No problem

                      “Dear Steve, I purchased a vehicle from Toyota back in 2011 I believe , we’ll I got a really screwed up deal, payments of 530 a month with a co-signer , 60,000 miles on it and it was used. 19% interested rate, we’ll I was able to make payments for a while until I got pregnant and couldn’t afford to ... Read More »

                        I Have Been Diagnosed With Terminal Prostate Cancer. What About My Debts? – Dave

                        middle age couple

                        “Dear Steve, I have been diagnosed with advanced prostate cancer which is terminal. What will happen to my debts after my death, would it be better to make myself bankrupt before this happens as I have no assets whatever? Dave” Dear Dave, First off I’d like to send you out a big virtual hug and wish you a peaceful journey ... Read More »

                          I’m 70 Years Old and Searching for Low Income Housing. – Dave

                          Lifestyle choices.

                          “Dear Steve, I find myself burried in debt. While caring for 3 years for another who had Alzheimers, I ignored my own financial hole I was digging. After being thrown out of where I was living — no financial issues just a very mean spirited roommate … I wandered the California coast looking for low income housing. No luck. I ... Read More »

                            My Student Loans Just Keep Getting Bigger as I Get Older. – David

                            hiding

                            “Dear Steve, Student Loan Repayment. I graduated in 1990 with a $15,000 loan debt. I had to defer the loan as my first job was at the college I graduated from, but didn’t pay much. Anyway, to make a long story short I paid when I could, but couldn’t ever make steady payments for a myirad of reasons. It went ... Read More »

                              What Can I Do to Payoff American Web Loan Crooks? – Ernie

                              Woman in yoga lotus  meditation at seaside

                              “Dear Steve, I got a $400 loan from American Web Loan and made my first payment to them. Then I called them and wanted to pay off my loan early and the said I would make a payment and they would take out their $120 loan fee and apply $80 dollars to my balance. I would have to let them ... Read More »

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