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Ask The Get Out of Debt Experts

Jami is Worried About Losing Money in Her 401k And Wants Options

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Jami “Dear Steve, I’m losing money in my 401k. I left my 401k in my ex-employers plan. I started at $73000.00 and now it is down to $47,500. I really want to get it out of there but I have no idea where to put it. Can you offer any ideas? Jami”   Dear Jami, I matters like this I ... Read More »

    How Do I Get Gold’s Gym Off My Credit Report? – David

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    “Dear Steve, I was a member of Gold’s Gym in Sandy, UT for a year when I got a call saying I “won” a membership. So I went in and talked to a guy named Mike(never got his last name) who was a trainer, he asked if I have a membership already and I said yes. He then said I ... Read More »

      What Do You Think About Debt Relief Group or Debt Bailout? – Anna

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      “Dear Steve, I was able to able to make payments on all my accounts until the company I worked for went bankrupt and I lost my job. As of December 2008, I owe $50,000 on six Visa credit cards. This was when I signed up with Allegro Law and November 2009, I found out as you know that they were ... Read More »

        Am I Going to Be Piled Under SallieMae Student Loan Debt For The Rest of My Life? – Mike

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        “Dear Steve, My father owns his own small law firm (him a secretary and a para legal) his income was about $200,000 a year when I was 17 but it included running his business (rent, paying employee salaries, health care, taxes.. etc). The government said we made to much $ for me qualify for federal loans so he was forced ... Read More »

          I’ve Never Participated in My Companies 401(k). – Steve

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          “Dear Steve, I am 40 yrs old and have been working at the current corporation for about 10 years now. I have not participated in the 401K plan(they do not contribute or match at all). I feel like i am the only one there who doesnt. Now everyone probably have some decent money towards retirement and I have nothing at ... Read More »

            Can You Help Me Find a Good Debt Settlement Company? – Jackie

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            “Dear Steve, I’m trying to help my son find a good debt settlement/debt distribution company, an honest one that is not a scam place. Can you help me find one? I’ve searched the net and the more I look the more I get confused. He has always had good credit but he opened a business about 2.5 years ago and ... Read More »

              I Was a Perfect American Express Customer and Now I Can’t Pay. – Isaac

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              Isaac “Dear Steve, I have been w/ American Express for over 8 years… PERFECT! until october… as many other thousands or millions… Can’t pay and owe them around 35K… been making little payments every now and then but my situation is getting worse and worse… what can happen to me? What would you do? Isaac”   Dear Isaac, If you ... Read More »

                A Creditor Took My Money in My Bank Account. – Elsie

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                Elise “Dear Steve, Okay, I owe some credit cards. I open a bank account to be able to cash my tax returns, I explain to the lady at the bank my situation and she said as long as I dont have a court order, that no one will touch my money. I went along and took her advice. I send ... Read More »

                  Can I Reduce My Credit Card Debt by 50% to 70% and Pay It Off Without Damaging My Credit? – Robert

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                  “Dear Steve, Recently had to take a 30% decrease in my Income, due to this I have maxed out my wells fargo credit card, they also just raised the percentage to 13.44%, Can I negotiate a 50-70% deduction of my Credit card balance and pay it off with out it effecting my credit? can i get them to reduce my ... Read More »

                    I’m Not Sure Where to Turn for Home Loan Modification Help? – Jim

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                    “Dear Steve, I have applied for a home loan modification and been denied. They told me to apply as many times as I like and they will review. I have lost 1/2 of my income due to the economy and company mergers of various accounts I did business with. I have used money from my credit cards to make mortgage ... Read More »

                      Did I Just Get Screwed By The Achievable and Campos Chartered Law Firm? – Jan

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                      “Dear Steve, I went thru “the achievable” whom set everything up with campos chartered law firm. They have refunded 25% of what i payed them to get me out of debt. I now have paid out more than the original debt. is there any way that i can claim the loss to off set they amount that i was able ... Read More »

                        I’m Getting Married. We’ve Both Gone Bankrupt. Will We Be Able to Get Student Loans? – Shater

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                        “Dear Steve, My fiance and I filled for chapter 13 bankruptcy, separately, in 2009. Both our plans have been confirmed, and we were looking to get married this year. If we get married so we have to file an adjusted plan with our attorney? Do they get merged? Also, my fiance is looking to attend college for the first time ... Read More »

                          I Have Followed in My Parents Footsteps. – Sheena

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                          “Dear Steve, 30 Years old, bad credit, one account in good standing, paid off all but 12000 in debt. Total household income $50,000 I am in the process of trying to pay off my debt and re-establish credit but I don’t know where to begin. I have saved $2000 for emergencies. Not I am in the process of paying off ... Read More »

                            I Have Little to No Money At the End of the Month. – Rose

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                            “Dear Steve, Hi Steve, I am currently in a great amount of debt roughly $50,000 between an equity loan and credit cards, Although im keeping up with pmts Im not really paying down the principal on the equity loan, and trying to keep up with other credit card pmts which leave me with little or no money at the end ... Read More »

                              I’m Another Victim of the CCDN Scam and It’s Left Us In Trouble. – Kimberly

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                              “Hi Steve, Chris referred me to you and your website. We were both victims of a “scam” by CCDN. I had just asked him how he was handling his current debt situation and he said maybe you may have some ideas for our doom & gloom. It’s excellent to hear that things are looking up for him. Anyway, I read ... Read More »

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