Latest Posts
Home > Ask The Get Out of Debt Experts (page 30)

Ask The Get Out of Debt Experts

Unemployed, Heart Attack, Stroke and Retired Mother Paying My Student Loans. – Jackie

Drowning swimmer

“Dear Steve, My husband and I filed Bankruptcy # 7 back in 2011, Most of the bills were medical but I added my student loan (Chase- Bank One) which Ive been told is a private loan. Everything was discharged except the student loan. I even sent a Hardship letter but it was after the hearing and I feel that maybe ... Read More »

    My Medical Situation Has Me Hurting Financially. – Louise


    “Dear Steve, I am currently 53 years old and single (never married). I am a licensed practical nurse. I was working full time until 2005 – when I went into kidney failure and had to go on dialysis. Because of my illness I had to stop working and go on Social Security Disability. I was living with my Dad ( ... Read More »

      How Should My Boyfriend and I Handle Getting Out of Debt? – Marissa

      couple working

      “Dear Steve, I have $64,000 in student loan debt and my boyfriend has $10,000+ in credit card debt. I make $18,000/year less taxes and he makes $40,000/year. We want to aggressively tackle our debt. I had been deferring my loans for years (or so I thought) but now I’m facing wage garnishment. We are in our 30s with no savings ... Read More »

        I’m Think About Using National Debt Relief. How Will It Hurt Me? – Steven


        “Dear Steve, I am reaching a point with my debt that I am unable to get out from under. I am maxing out and while I can current on all cards and making more than the minimum payment, am never going to get out from under given that my current income is only about half of what I use to ... Read More »

          Can I Negotiate a Settlement With My Own Credit Card Companies? – Larry

          puzzled looking little boy looking to the left

          “Dear Michael, I have the great deal credit debt – long story – used a number courtesy checks against these credit cards to add monies into company believing I would pay them off. Well that did not happen, so I have been paying monthly and these amounts – never go down due the interest rates. Instead of using one of ... Read More »

            Why Can’t I Just Ignore My Creditors Instead of Filing Bankruptcy? – Troy


            “Dear Steve, I have 2 unsecured personal credit cards I used almost 100% for a business that went under (so I am not subject to means testing). Each one is a little under $25K. I have spoken to a BK attorney. The problem is, the only thing in my name alone is one of a cars. It’s free and clear ... Read More »

              Is Real Estate Law Center in Pasadena, CA a Scam? – Roland


              “Dear Steve, Is real estate law center in Pasadena Ca a scam? I want info on a case that they have won, but can’t give me any info. They want me to pay money up front. They do not sound like a “real” company.Do you have any info on these people if they are legit? They said that I would ... Read More »

                My Credit Score is Stagnant After My Bankruptcy. – Lynn


                “Dear Steve, I discharged my debt in 2010, opened a few charge cards to build my credit. Have been doing all the right things. On time payments, debt on cards never over 30%, paid my car off and my Fico score stays the same. 686 for a year now. Before bankruptcy my score was 750-790. What is going on? I ... Read More »

                  My Debt Relief Company Vanished and I Want My Escrow Money Back. – Julie

                  Where did my debt relief company go?

                  “Dear Steve, I cannot get in touch with my debt relief company. I have 1900.00 built up in my escrow with my debt relief co. I have tried to get in touch with them, for status updates, with no response. The numbers are disconnected and I get no response when I mailed a letter to the address. should I stop ... Read More »

                    I Enrolled With Freedom Debt Relief and Now I’m Thinking About National Debt Relief. – Marty

                    stolen idea

                    “Dear Steve, Unfortunately, we have been spending more than I bring home. Instead of directly dealing with this, I took out cash advances on my credit cards. Then, I took out a personal loan to pay them off. Unfortunately, the same situation arose and then I took out cash advances on my credit cards, followed by a personal line of ... Read More »

                      Retired Couple Takes Out Loans With Payments Twice Their Income

                      Modern business concept

                      “Dear Steve, My wife and I are retired with a fixed income of just under $3000 a month. Over the last few months, we’ve had to take out loans at several, high interest businesses. Now, our payments are twice our income. We have a small place, (mobile home and storage bldgs.) valued at about $20,000, which is free and clear. ... Read More »

                        I Am Terrified I May Have to Pay Taxes on My Forgiven Student Loan Debt. – Elizabeth


                        “Dear Steve, I am 27 years old and have a Master’s Degree in Social Work. All of my loans are government loans (no private loans). I accrued all of my debt (approximately $89,000) in graduate school. As a social worker, I do not make much per year and have consolidated my loans and am on the income-based repayment plan, paying ... Read More »

                          I Filed Bankruptcy But Still Owe the IRS. – Wanda

                          Magnifying Glass - Q&A

                          “Dear Jim, I was audited by its in 2006. It was because the tax preparer was listing me as single when I was filing head of household I am married but my husband worked seasonal. The irs sent me a letter stating I owed them $12,000. So they took my taxes. I filed for bankruptcy I told my lawyer that ... Read More »

                            I Was Turned Down by Lending Club and Prosper for a Debt Consolidation Loan. – Brian


                            “Dear Steve, I applied at and at for a loan to consolidate my debt. I was declined at both. I have been trying to find a solution to consolidate my debt and eventually eliminate it. No places simply want to provide a loan. My credit score is good (690 ish). What other steps should I take to consolidate ... Read More »

                              Can Bank of America Really Give My Mortgage to the Blood Suckers at Green Tree? – Mike

                              Cosplayers at San Diego Comic Con 2009

                              “Dear Steve, I applied for a loan modification with Bank of America that took almost a year to finally finish. They did not do very much but extend my 30 yr mortgage to 40 years at 5% and quite frankly did not bring my payment down by much. PLus even with a “Quick Deed” signed and divorce papers B of ... Read More »

                                Get My FREE Get Out of Debt Guy Newsletter

                                I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.You can unsubscribe at any time with just one click.After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.

                                I promise to keep your email safe and secure.