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Ask The Get Out of Debt Experts

Persels and Associates Closed and I’m Being Chased for a Debt They Settled

little child crying with tears rolling down her cheek
** Note: Slight blurriness, best at smaller sizes

Question: Dear Steve, About 4 yrs ago, my husband and I were completely in credit card debt. We went through Persels and associates. I know what you’re thinking, NO DEBT CONSOLIDATION LOL! Anyway we were well on our way to being debt free. This past June, we paid off our last creditor. It felt so good! Well, I am now ... Read More »

    I Graduated From College With So Much Debt, There is No Hope

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    Question: Dear Steve, I am over $150,000 in debt from students loans, approximately 100k is from private student loans, 4 separate loans, while the remainder is various federal loans. I am 24 years old and got this debt from undergraduate education where I got a sociology degree and now at my first job make less than 35k/year before taxes. In ... Read More »

      I Stopped Paying My Daughter’s Cosigned Navient Student Loan. – Rosie

      caution

      Question: Dear Steve, Hi Steve, I co-signed my daughter’s student loans which she and her husband stopped paying because Navient was asking for $1,100 a month (he lost the overtime advantage he was using to pay back the student loans) and all I could help towards that was $200. My daughter directed me to your site and we decided to ... Read More »

        Will I Need My IRS ITIN to Get Married?

        irsverify

        Question: Dear Steve, I have an ITIN number I got it on 2006 I have not used it for my taxes since then but I have the original paper. How can I know how much I owe, where do I have to go, how can I use it? I am going to get married and I will need this for ... Read More »

          My Bank Won’t Work With Me So I Can Pay My Debt

          Inside view of an antique combination lock of bank Mandiri in Jakarta, Indonesia

          Question: Dear Steve, The bank called me and told me that I must pay 12600 first before I can apply for account restructuring with an interest rate of 1%. I was not able to pay it as of now because I am jobless. What should I do or how should I respond to the threats of a law firm that ... Read More »

            Why is My Son’s WyoTech Navient Student Loan Being Reported as a Federal Loan? – Ava

            Whiteboard

            Question: Dear Steve, My son had a Sallie Mae student loan…it was sold to Navient which turned it into a private loan or so they tell me. We have tried the loan forgiveness or reduction twice with no results because it’s a private loan. The lender as so stated on his account site says “Navient Federal Loan Trust” How can ... Read More »

              I Thought My Art Institute Student Loans Were Eliminated in My Bankruptcy? – Stephanie

              Where does it hurt nurse question

              Question: Dear Steve, I went to the Art Institute of California for video production. I graduated in December of 2009. Due to life I had not been able to pay my loans. The went from being 54,000 when I graduated to over a 120,000 last year. Most of the loans were private and I got them discharged in bankruptcy at ... Read More »

                How Do I Get My Student Loans Eliminated if I’m Disabled? – Natasha

                worried

                Question: Dear Steve, Recently approved for Social Security Disability, unable to work and am in default on student loans. The amount I will be receiving from Disability is less than one-fourth of what my net income was when working. Lost my home and car due to loss of income. Is there a way to have the student loans discharged due ... Read More »

                  I’m Taking Care of My Sick Father and Thinking of Bankruptcy

                  Woman in yoga lotus  meditation at seaside

                  Question: Dear Steve, I am a 35 year old mother of 2. I currently have an MBA but haven’t been using the degree at work because I take care of my ill father part-time and work-part time at a bank. Currently I owe $89,000 on my house, $38,000 in federal student loans and $36,000 in credit cards. My question is- ... Read More »

                    My Mom is Dealing With US Legal Services Group. – Jillian

                    garage

                    Question: Dear Steve, My mom needs help with this she has been paying U.S. Legal Services Group for more then 3 years now. Now they are switching to Global Client Solutions and sent her a check and told her the accounts haven’t been paid for 3 months. She has been paying them $500 a month all this time. What should ... Read More »

                      Is There Anyway to Get Out From Under My Navient Student Loans? – Kim

                      future

                      Question: Dear Steve, I was young and dumb and didn’t have any financial help with college. I took out student loans to support my education. After 2 years, I was supposed to be able to get instate tuition, but my alcoholic mother kept claiming me as a dependent on her taxes (although she didn’t support me in ANY WAY). Needless ... Read More »

                        Is There a Debt Solution Company You Would Recommend? – Donnie

                        Frustration

                        Question: Dear Steve, Due to medical issues and a large percentage (25%) loss of salary my wife and I are in serious debt. We owe approximately 52,000.00 in credit card debt. I am looking at some debt solution companies at possibly helping get this debt under control and paid off in a reasonable period of time. Is there a particular ... Read More »

                          Should We Consolidate Student Loan Debt Into Mortgage? – Rhonda

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                          Question: Dear Steve, We are going to refinance our home, out of an adjustable rate, and wondering if we should bundle our kids’ student loan debt into the mortgage. The student loan interest rate is high and simple interest; the mortgage interest lower, of course. We are at about 50% equity. Should we continue to pay off the student loan ... Read More »

                            The IRS Won’t Stop Chasing Us for Debt We Don’t Owe

                            irsverify

                            Question: Dear Steve, My husband and I recently found out that his ex wife filed taxes and forged his name on 2008 taxes, after they were separated. She had taken a settlement in 2008 and never paid the taxes on it, which left over $11,000 owed to the IRS. The amount has now grown to over $17,000 and they say ... Read More »

                              I’m Running Out of Options to Deal With My Student Loan Debt

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                              Question: Dear Steve, When I was 18, I got pregnant with my first child. I had to quit the college that I was going to on a full scholarship because they had no programs for families and I couldn’t afford to make it on my own and still go to school. I moved back home, but still wanted to get ... Read More »

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