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Ask The Get Out of Debt Experts

How Do I Get My Old Sears Account Off My Credit Report? – Priscilla

puzzle

“Dear Steve, I had a credit card with Sears back in 1996 and due to job layoff’s I fell behind in payments and the account was sold to a collection agency. Well over time I used other credit cards and I was out of control that I used a credit counseling agency to help me pay down my debt. Well ... Read More »

    Divorced, Breast Cancer, Weak, and Child With Drug Problem. – Kathy

    change 2

    “Dear Steve, I am 60 years old, divorced for 7 years, with two kids. I have not gotten child support from my ex and he has not helped with the boys financially or physically. Though the government has finally caught up with him and I am now receiving 1,000 a month back support. I make 35,000 a year, pay for ... Read More »

      My Husband Caught MRSA and Now We Are Filing Bankruptcy. – Page

      Cure the disease

      “Dear Steve, My husband is 66 and I am 57. My husband lost his job soon after we bought our house in 2009. He is now on social security and was working part time until he became ill and has been in and out of the hospital ( 4 times) since October 2012. He is much better but contracted MRSA ... Read More »

        Lloyd Ward & Associates Stopped Settling My Accounts. – Bill

        wtf

        “Dear Steve, 2 and a 1/2 years I have been on a Debt Relief program with Lloyd Ward and Associates. 5 credit cards have been paid off with 4 more to go. In April of 2012 they transfered from Noteworld to Global Solutions claiming the fees for me are less. Right after the transfer most of the employees defected to ... Read More »

          Can the Creditor and Collection Agency Both Show the Same Account On My Credit Report? – John

          thumb up

          “Dear Steve, Have settlement letter from collection company and will complete the last payment in Oct. The original creditor continues to show the remaining balance of debt and reduces it with each payment that I make to the collection company .The collection company is also making monthly reports that I have the debt but no balance. Is it legal for ... Read More »

            Is The Credit & Banking Law Group a Scam or Legit? – Jeremiah

            Screen Shot 2013-05-26 at 3.55.16 PM

            “Dear Steve, I have $80,000 in debt from private student loans. Is The Credit and Banking Law Group out of Boca Raton a scam or legit? Jeremiah” Dear Jeremiah, I always hate these questions because I never have any idea of what your individual definition is of a scam. But here is what I can do. I’ll do a little ... Read More »

              I Gave StudentLoanServices.us My Social Security Number. – Anna

              storms

              “Dear Steve, I filled out the information on the website for Studentloanservices.us. They called me. We talked, wanted my PIN for my loan, I did not know what that was. Then she said to give my SS # and she could find the information that way. I am an idiot, I gave it to her. Then she told me what ... Read More »

                I Signed for a Car for My Ex-Boyfriends Brother. – Jessica

                kicked_in_the_nuts

                “Dear Steve, I signed for a car for my (now ex) brother in law. It is a very expensive car. Its been in my name for about a year now, and as of right now, there is about 37,000 left on the loan. He has been habitually late, 30+ days late, 9 times! I am not with my boyfriend anymore ... Read More »

                  My Wife Was Sued Over an Old Debt From a Previous Marriage. – Chris

                  closeup of a gavel on cash, from above

                  “Dear Steve, My wife had a BofA credit card she acquired during her previous marriage. Long story short shortly after receiving the card, her husband filed for divorce. She had no money and reverted to using the credit card to pay for essentials to take care of her kids and herself. As you would expect she fell behind and tried ... Read More »

                    Consumers Benefits Alliance Says They Can Help Lower My Interest Rates. – John

                    Big Scam Dog

                    “Dear Steve, We are struggling with credit card bills, car payments and college bills. I have resisted using ‘credit counseling’ services, as I understand that our credit score will suffer just as badly as if we declared bankruptcy. I came across Consumer Benefits Alliance LLC. Do you have any information about these people….? I have been talking with Matthew McLevich ... Read More »

                      Fannie Mae Wants to Settle Our Mortgage Debt for Less Than We Owe. – Dorrie

                      gift

                      “Dear Steve, Reduced payoff and the mortgage is in good standing We have a house mortgage with SLM (Fannie Mae). We have been getting letters from them stating that we are eligible for a reduced payoff if we refinance with another Mortgage Company. Now mind you we are current and always been current (direct payment from our checking account). First ... Read More »

                        I’m So Stressed and Deep in Debt I Don’t Know What to Do? – Julie

                        hug

                        “Dear Steve, I had my first child in 1990 and have been an at home mother ever since. I left my good paying job to raise my now 4 children and would do it all over again. I have accumulated over $170,000 in credit card debt and need to find a way to pay this off quicker to get some ... Read More »

                          We Are Old, Ill, and the Worry and Stress Over Our Debt Are Killing Us. – Glenna

                          brand new ending

                          “Dear Steve, We are seniors in our mid seventy’s very bad health. We have credit card debt because we have had to put medical bills and medicine,plus living expenses. We owe 14,000.00 and having a hard time making minium payments. HELP, our only income is our social security. We don’t know how to handle this. Our health is getting worse. ... Read More »

                            They Say I Can Get Rid of My Debt Because of Dept of Treasury Publication 4681

                            doctor-xray

                            “Dear Steve, I am currently experiencing a financial hardship and looking for help. I keep receiving mail from an Assistance Center. I’ve received two different mailings that are basically the same but with different phone numbers. I called one number and I just had a bad feeling about the legitimacy of it. Both notifications reference the Dept of Treasury Publication ... Read More »

                              My HELOC Keeps Rejecting My Loan Modification Attempts

                              No problem

                              “Dear Steve, I am writing regarding a 2nd (HELOC) on my Condo. When I lost my job in 2010 – I fell behind on my mortgage and HELOC – I went to then Countrywide and they said they would work with me but, didn’t – then when it was sold to B of A, the situation got worse. I finally ... Read More »

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