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Ask The Get Out of Debt Experts

I Have Been Diagnosed With Terminal Prostate Cancer. What About My Debts? – Dave

middle age couple

“Dear Steve, I have been diagnosed with advanced prostate cancer which is terminal. What will happen to my debts after my death, would it be better to make myself bankrupt before this happens as I have no assets whatever? Dave” Dear Dave, First off I’d like to send you out a big virtual hug and wish you a peaceful journey ... Read More »

    I’m 70 Years Old and Searching for Low Income Housing. – Dave

    Lifestyle choices.

    “Dear Steve, I find myself burried in debt. While caring for 3 years for another who had Alzheimers, I ignored my own financial hole I was digging. After being thrown out of where I was living — no financial issues just a very mean spirited roommate … I wandered the California coast looking for low income housing. No luck. I ... Read More »

      My Student Loans Just Keep Getting Bigger as I Get Older. – David


      “Dear Steve, Student Loan Repayment. I graduated in 1990 with a $15,000 loan debt. I had to defer the loan as my first job was at the college I graduated from, but didn’t pay much. Anyway, to make a long story short I paid when I could, but couldn’t ever make steady payments for a myirad of reasons. It went ... Read More »

        What Can I Do to Payoff American Web Loan Crooks? – Ernie

        Woman in yoga lotus  meditation at seaside

        “Dear Steve, I got a $400 loan from American Web Loan and made my first payment to them. Then I called them and wanted to pay off my loan early and the said I would make a payment and they would take out their $120 loan fee and apply $80 dollars to my balance. I would have to let them ... Read More »

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


          “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


                “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 My Social Security Number. – Anna


                      “Dear Steve, I filled out the information on the website for 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


                        “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


                              “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 »

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