Latest Posts
Home > Ask The Get Out of Debt Experts (page 32)

Ask The Get Out of Debt Experts

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 »

    My Husband Proudly Serves in the US Army But Has Student Loans

    Military Flag

    “Dear Steve, My husband is in the US Army has been proudly servicing since 1998. He is considering retirement (he has prior service before 1988 which counts towards his 20 years). He has about $44,000 left of his student loans. His loans were consolidated since shortly after 1998 (his graduation from vet school). We don’t seem to be making a ... Read More »

      How Can I Best Settle My Kids Student Loans?

      emergency exit

      “Dear Steve, Have 2 kids who are heavily in debt [one just lost their job] each has a separate student loan [57k and 83K] which they are on time paying, but won’t be for long. As their Dad I want to remove [payoff with discount where possible] both loans. What is the best way to do this with 2 separate ... Read More »

        I’m 22 and Need to Fix My Credit So I Can Buy a Car

        credit good

        “Dear Steve, I am 22 years old. I have never had any help with my family with any money growing up. I graduated High School in 2009 and started out with a couple credit cards. Bank of America for School books and Best Buy for a laptop. I also had a car payment that my sister had underneath her credit ... Read More »

          Our New Expenses Leave Us Unable to Pay Our Credit Cards. – Erika

          We are going to need some voodoo for this situation.

          “Dear Steve, I’m a 39 year old married woman with a 11 month old infant. My husband is a stay at home dad. We only have 1 income. We recently are in the process of building a new home. We currently live in a Condo that will be rented to ensure that the mortgage and condo fee are covered. I ... Read More »

            My Debt Makes Me Sick and I See No Way Out. – Emily

            don't give up

            “Dear Steve, I am in financial turmoil right now and I am extremely stressed out to the point of being sick because of it. I work a full time job, but I don’t make enough to support myself. I do have some physical restrictions due to the physical nature of my job and having it take its toll on my ... Read More »

              WFS Debt Relief & Whitelight Financial Services Scammed Me for $1,500. – Wes

              Shocked Face

              “Dear Steve, About 3 yrs ago I was having a difficult time keeping up with my high interest credit card bills and overheard on the local radio station about WFS Debt Relief. At that point I was still making all payments and on time. I was new to the whole “debt consolidation” industry and was simply looking for some help. ... Read More »

                Can I Ditch Golden State Debt Management and Save Money? – Art

                process

                “Dear Steve, I am using the Consumer Credit Counseling program with Golden State Debt Management. It involves me allowing them to deduct $625 per month from my checking account. In total, they keep about $125 in fees each month. High. But even including those fees, I’m still saving $90 / month versus the astronomical interest I was paying before. (The ... Read More »

                  Is Credence Law Group a Legit Company or a Scam? – John

                  puzzle

                  “Dear Steve, I have been approved for a loan modification thru Credence Law Group. They are now asking for $3600.00 fees. They say they are sending paperwork and contracts for me to sign tomorrow. I need to know if this company is legit? I have nothing in hand to confirm that I am approved. What can you tell me about ... Read More »

                    My Experian Credit Report Still Shows Old Negative Items – Joseph

                    Writing Q&A, Questions and Answers on a blackboard.

                    “Dear Steve, I just received an investigation report from Equifax that the 03/2008 Collection Account has been fully paid since 03/2010 and is currently reporting a zero balance for this account. Yet, when I printed my 05/21/2013 Credit Report the said account is still listed with Experian and a part of my High Impact Differences. I also had fully paid ... Read More »

                      Cockburn & Associate Claims Make Me Wonder If They Are True – Georgia

                      canada-new-car-window-sticker

                      “Dear Steve, I have quite a bit of debt outside of my mortgage about $60,000 and it is causing us much stress and it just seems to keep going up rather then diminishing at all so I have been trying to figure out ways to pay it down this is how I came across the company I have a question ... Read More »

                        My Retirement Plan Won’t Let Me Borrow Money to Settle My Debt – Quincy

                        Dollars and Stopwatch

                        “Dear Steve, I’m thinking of using some of my reitrement to help settle my debt. But my retirement says if I refund the money I will lose all benefits to it. I’m with the Arizona State Retirement System. I do not want to take it all out, just enough to cover my debts. Will I be penalized for this and ... Read More »

                          My Bank Won’t Give me an Auto Loan Because of My Past Repossession

                          Why?

                          “Dear Steve, Almost 7 years ago I voluntarily turned my vehicle in for repossession. I wasn’t behind, but I knew I couldn’t afford it and handle a mortgage since I was purchasing a house. Fast forward to this day it is on schedule to be removed off my credit in January of 2014 according to my bank (auto loan department). ... Read More »

                            I Feel Like I Made a Mistake Going With Student Loan Processing.us – Terry

                            black-hole

                            “Dear Steve, I have used student loan processing.us to help consolidate my student loans. Unfortunately, I didn’t do good enough research before, now I am stuck. Their payments and interest rates are higher than quoted and they did not tell me this before sending my loan info on to my new lender. Now they refuse to allow me to cancel ... Read More »

                              Credit Card Fraud Protection in Australia, UK and the US

                              punched-in-face different

                              In Australia, United States and United Kingdom, credit card use appears much the same. The names are familiar – Amex, MasterCard and Visa are the dominant players in all three markets. But the card issuers responsibilities to consumers aren’t quite equal. While U.K .and U.S. consumer protection schemes have convened into a general code for credit card users across the ... Read More »

                                Get My FREE Get Out of Debt Guy Newsletter

                                It is the smart thing to do.

                                I promise to keep your email safe and secure.

                                Close

                                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.


                                • It will keep you posted on the latest scams.
                                • You will be alerted to the latest articles.
                                • You will wind up smarter than everyone else dealing with debt.