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Ask The Get Out of Debt Experts

Which is Worse, Bankruptcy or a Write Off? – Jenny

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“Dear Steve, Bankruptcy or Writeoff? When it comes down to it which is worse? Is a debt write off from a company as bad as a bankruptcy? I have some funds coming soon and I was going to settle with them, but they tell me the debt is about to be written off. My question is do I let it ... Read More »

    I Was Irresponsible With My Credit But Now I Want to Clean It Up – Kristen

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    Kristen “Dear Steve, I am 29 years old and am just now in a position where I can start cleaning up my damaged credit. I was very reckless/careless with my finances throughout my late teens and most of my 20’s. I have recently pulled my 3-in-1 credit report and my score is below 600. I want to start cleaning up ... Read More »

      Nildo Has Moved Back in With Parents And Wants to Save His Car From Repossession

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      Nildo “Dear Steve, Because of a job change, that pays only commission I got myself into this mess. Now I have to move back into my parents home and lose my car. It pays good commission but I have had 3 bad month and now I don’t know what to do How do I get out of this mess and ... Read More »

        I’m Laid Off and Living on Savings. – Mary

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        “Dear Steve, I was laid off the last quarter of ’07 and we are down to one income. We’ve been using our savings to keep up with all our payments including our mortgage. We want to proceed with a modification of our mortgage, but with our credit card debt we’re afraid we won’t qualify and would like to come up ... Read More »

          I Paid “The Credit Card Solution” and Bob Lindsey to Eliminate My Debt. Turns Out They Were a Scam. – Walter

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          “Dear Steve, My name is Walter and I’m currently a senior psychology major at [XXXX] College. I have amassed over $10,000 in credit card debt from buying everything from a computer, Playstation 3, and even a High Def Television. As you can see, I really didn’t need any of the things that I bought and it has been really tough ... Read More »

            I Don’t Want to Get Married With Debt. – Brandi

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            Brandi “Dear Steve, My Fiance and I are currently about 12,000 dollars in debt not including are student loans that are currently in deferment his deferment ends soon (he graduates next month) his school cost about 40,000 dollars I’m just starting school so my loans and schooling will be deferred for a while Most of the Debt includes Credit cards ... Read More »

              “Should I Tell My Boss?”

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              Jackie wrote in to me through the site and asked me the question below. If you have a question you’d like to ask and get some totally free advice, visit and ask me your question. “Dear Steve, I have been approached by another financial company, current one is Edward Jones. Is it proper for another one to approch ... Read More »

                We Got 100% Financing On Our Home But Once the Loan Adjusts We Won’t Be Able to Afford it. – KC

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                KC “Dear Steve, My husband and I have a 5/1 Adjustable Interest Only loan, as well as a HELOC loan because we did 100% financing. I’m no longer working (staying at home with new son), and my husband’s salary was recently cut 10%. We’ve given up a few luxuries (cable tv, saving for retirement, etc) in order to stay current ... Read More »

                  I Would Like to Clear Up My Credit A.S.A.P. – Ginger

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                  Ginger “Dear Steve, I have had Identity theft happen to me and I have also messed up my credit. I want to move in July 2009. I would like to clear up my credit a.s.a.p. What are the best solutions to clearing up my credit? Ginger”   Dear Ginger, Clearing up your credit is a rather simple affair that you ... Read More »

                    I Am a Compulsive Gambler in Debt. – Delia

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                    Delia “Dear Steve, I’m a compulsive gambler. I identified my addiction a year ago and have been attending GA meetings faithfully for the past six months. The meetings are helping but in the past three years I had borrowed so much money to gamble that I just can’t seem to get caught up. The majority from family and friends. I ... Read More »

                      I Have a Bad Credit Report. What Can I Do? – Connie

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                      Connie “Dear Steve, Even though, my credit is bad, I do have some good credit references. Everytime I apply for a consolidation loan, or whatever I am always turned down I know my score is bad but they always need that credit report. How can you help, a consumer even though there credit report is bad? Connie”   Dear Connie, ... Read More »

                        I Am With DebtRx And Being Sued. – Patricia

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                        “Dear Steve, I am being sued by my credit card company and i am with debtrx. I have no money to hire a lawyer. What can i do to stop this i cannot afford to pay the full amount i owe on this credit card plus late fees Patricia” Dear Patricia, Unfortunately when you choose to work with a debt ... Read More »

                          Should I Change My Chapter 13 Bankruptcy to a Chapter 7 Bankruptcy? – George

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                          “Dear Steve, hi my name is George and i’m in a real bad situation I filed a Chapter 13 3 years ago to try and save my home only to eventually lose it and I tried to keep things going after me and my wife moved out so I took a couple of payday loans out well it has spiraled ... Read More »

                            Can I Bypass United Recovery System to Deal With American Express On My Own? – Miranda

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                            “Dear Steve, Two cc’s- one for 8k (amex) 21k (BofA)- about 60 days past due. Saving cash (closed three 401k’s) for settlement on my own Amex has turned my account over to United Recovery Systems. They are rude, intentionally “stupid”, and can’t even make a decision without putting me on hold to “call Amex”. Can I bypass URS? I have ... Read More »

                              I’m a Low Income Single Mother With a Disabled Son and Collectors are Chasing Me. – Milla

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                              Milla “Dear Steve, I had a car that was repossed around 2005. The car was sold but the creditors are coming after me saying I have to pay around 7,00 with interest of $43 monthly. They had the sheriff come to my home with some court papers. I also had to fill out some papers the sheriff sent to my ... Read More »

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