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Ask The Get Out of Debt Experts

Why Are UAE Debt Collectors Chasing Me in India?


“Dear Jon, I worked in UAE in year 2006 and returned back after 6 months to my home country (India). I got visa for USA and moved here in 2008. I have joint family in India, living in same house. One day, someone from some XYZ collections came to my home and asked about me. My relatives told I no ... Read More »

    I Just Filed a Pro Se Adversary Proceeding to Discharge My Student Loans


    Question: Dear Steve, Hi, just read your article. I’ve just filed an adversary proceeding in Brooklyn-Eastern District Bankruptcy Court against US DOE, requesting undue hardship discharge of student loan debt. Is there any update to this article, or any other information you’ve come across regarding attempts at student loan discharges? The study you reference in article was informative, but looking ... Read More »

      Morgan Drexen Lied to Me. What Can I Do? How Do I Get My Money Back?

      Credit Card Financial Relief Planed Flag

      Question: Dear Steve, I entered into an agreement with Morgan Drexen for debt settlement. I paid them in excess of $3000. and they did nothing to help me. They lied to me several times regarding where my money went. What recourse do I have? Thank you. Answer: Normally I’d suggest you follow my guide How to Try to Get a ... Read More »

        Colonial Law Group and My Enrollment Center Sent a Paralegal to Meet With Me


        Question: Dear Steve, I signed up with these people from My Enrollment Center in Florida (Robert) for debt help more than 1 month ago. They had me meet with a paralegal for Colonial Law Group, before signing the contract. The customer support person I speak to is nice and professional, but they cant seem to get me any answers as ... Read More »

          Can My Son Go Bankrupt in the U.S. and Come Back to the UK?


          “Dear Jon, My son left his home and job in the UK 16 years ago to marry an American girl. He now lives in Seattle with his wife and two daughters (11 and 8). He had a good well paid job as a graphic designer for King 5 News for 16 years. Unfortunately, the marriage has irretrievably broken down due ... Read More »

            My Girlfriend Sucks at Managing Her Money

            The actual granular data presents a surprising reality.

            Question: Dear Steve, I am very financially responsible and in my mid-30’s. I recently discovered that my girlfriend, also mid-30’s, is not so much. Neither of us has any kids. Now, I did know that she is a homeowner making a six-figure salary (barely) and living paycheck-to-paycheck saving no money. However, I did not know that she has close to ... Read More »

              My Mother Demands Parent PLUS Loan Payments But Will Not Share


              Question: Dear Steve, Back in 2010 my mother submitted for Parent PLUS loans for my sister and I. Half the amount for my sisters education, half for mine. Right now we are in the repayment process. Both my sister and I did not finish our education and stopped when we realized the amount of the loans. So we do not ... Read More »

                I Have a Doctorate, Student Loans, and Want a Job


                Question: Dear Steve, I took out student loans to complete a doctoral degree. I completed my degree in 2013. Since then, I have been applying for full time employment so that I could meet my payments, but to no avail. Trying to find full time employment in the United States is like looking for a needle in a haystack. It ... Read More »

                  Why Do I Have to Pay for Forgiven Student Loans in My Bankruptcy?

                  Smiling Disabled Senior Woman In Wheelchair

                  Question: Dear Steve, I have approximately, $144,000 in student loan debt and in 2011, had to file bankruptcy in Ala. My debt were about $34,000 and would be paid off on a 3 yr. plan. However, my attorney said that even though my student loans were not in default they must be included. Therefore, we went from a 3 yr ... Read More »

                    My Wife is Mentally Disabled. Can Her Student Loans Be Forgiven?


                    Question: Dear Steve, My wife graduated in 2001 B.a. degree music. Accumulating $154,000 student loans. She has been on permanent disability since 2000. Benefits of $547 month. I am 70 work to maintain medical insurance income $2000 month. We have filed bankruptcy twice due to long term medical bills. last time Jan 2010. My wife has attempted to work twice ... Read More »

                      Am I Eligible for the IBR Student Loan Forgiveness Using a Government Funded Company?

                      Problem Solving Series

                      Question: Dear Steve, I am the sole provider for me and my daughter, which will be a sophomore this upcoming fall. I have a outstanding student loan for 29,000. I attended a 2 year technical college called Miller-Motte, I graduated with an associates degree, which have never done any work in that field. I work at a production plant making ... Read More »

                        I’m Disabled and Having My SSI Garnished for Student Loans. What Can I Do?


                        Question: Dear Steve, In my 3rd year of college, Dec. 1988, I was involved in an auto accident with a semi. My head hit the steering wheel with force and I have CNS damage and lesions on my brain. I went right back to school and failed class after class. I did not have continuous memory for 6 months. I ... Read More »

                          My Student Loan Balances Enlarged Without My Permission


                          Question: Dear Steve, Back in the early 90’s I took three loans equaling 6000 dollars. I failed to complete the program I was in enrolled in and never received my certification. Unable to get a job in the field I had been training for I consolidated the three loans into one thinking the payment would be lower and less to ... Read More »

                            My Ph.D. Loans Will Leave Me Old, Broke, Hungry, and Cold

                            break free from prison pressure or quit job running away towards

                            Question: Dear Steve, I have $175,000+in student loans from grad school programs. My first grad degree program was a PhD in political science; the second a high school teaching license in social studies. Neither field has been hiring over the past 15 years at anything other than a negligible rate. Because I have my masters degree, I am more expensive ... Read More »

                              My Art Institute and Fullsail Student Loans Are Outrageous and Unaffordable


                              Question: Dear Steve, I have obtained private loan debts from for-profit schools such as the Art Institutes and Fullsail. These debts have doubled from the interest alone. I find myself in a cycle: when I do work, all of my income goes to paying the minimum payment, or I go back school, but a legitimate state school to postpone payments. ... Read More »

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