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Ask The Get Out of Debt Experts

I Went Bankrupt Five Years Ago. I Don’t Think I Can Do That Again. – CurlyGirl

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CurlyGirl “Dear Steve, I’m current on all my credit card debts, but the $700 a month in minimum payments (on about $10K total in debt) is killing me. I was laid off from a good job 2 years ago and have been freelancing ever since, so my income is irregular, but still enough to live. I’m doing without the bare ... Read More »

    We’ve Spent All Our Savings Making Payments But Still in Debt. – Norman

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    “Dear Steve, I am presently laid and cannot find work! Between my wife and I our income is $661.00. We have about $39,000.00 in debt. That includes 2 vechicles credit card and irs bill. We do not have a home ,rent and have no other bills.We have only 1 and a half years to pay on one vechicle, and four ... Read More »

      Karen Writes In. “My Interest Rates Are Going Up. My Minimum Payments Are Going Up. Help!”

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      Karen “Dear Steve, Have a lot of credit card debt – struggling to keep my head above water. Interest rates are going up, minimum payments are going up, and I am falling behind. which causes the rates a payments to keep going up and my credit score to go down. What is the best way to negotiate lower payments and ... Read More »

        When Do We Start to Rebuild Our Credit After Bankruptcy? – Ed

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        “Dear Steve, I went bankrupt in 2006. It will be paid off this year (2010). I had a forclosure in 2007. I did not have to pay anything on the forclosure. My wife and I are now both employed and have good income. Bad credit though and want to get a home, renting now. We are getting ready to pull ... Read More »

          My Bankruptcy Meeting Did Not Go Well. – Linda

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          “Dear Steve, Deep in debt from poor choices, paycut and gambling because of depression, took your advice and filed bankrubt Today I had my 341 meeting, it did not go well. There were papers that didn’t get included, my attorneys fault. he never asked for them. The trustee was also upset when I could not tell him how I spent ... Read More »

            I’m One Month Behind on My Bills. What to Do Now? – Mark

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            “Dear Steve, credit card debt from tome off work due to medical conditions that may still may be ongoing and spouse taking another job for $4.00 less per hour Credit card amount owed is around 17,000 total for all 3 cards. Is the program you mentioned at worth my time and cash? Question 2: I never planned any of ... Read More »

              What Can I Do to Get a Loan Modification With Wells Fargo? – Mark

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              “Dear Steve, Life happened. Doctor bills, behind on payments, everything. I just received a Notice of Default and Intention to Accelerate on my mortgage from a lawyer. I was working with the mortgage company – Wells Fargo for a Loan Modification. It was in process and haven’t heard from them. I kept checking their online tool and it always said ... Read More »

                Ben Wants To Know, “Will I Ever Get My Life Back After Bankruptcy?”

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                Ben wrote in through the site and asked for help and advice. “Dear Steve, At times I feel like my life is over. This year I did something I never thought I’d ever do, I went bankrupt. I was raised to pay my bills and I’ve always done that, but last year my overtime go cut and we were ... Read More »

                  Tim Wants His Share of Free Money Available to Consolidate His Debt

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                  “Dear Steve, We are currently $2600.00 behind on all are bills, including our mortgage. I can’t get aloan cause it would be just another bill. I was looking for someone who might just give a gift. I really want to go into Christmas stress free. I have a beautiful wife and two children.It is really hard looking at them with ... Read More »

                    I Gave $1,000 to a Loan Modification Company and They Went Bankrupt. I Am Five Mortgage Payments Behind. – Vic

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                    Vic “Dear Steve, I am currently 5 mortgage payments behind..I tried negotiating with my lender on a modification but was not happy with the results (only lowered my payment by 40 dollars) i did not accept the modification and now they want to foreclose. I recently gave 1000 dollars to a modification co. and found out they are going bankrupt. ... Read More »

                      Where Can I Find a Forensic Auditor to Help Me With a Mortgage Situation. – Elena

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                      “Dear Steve, My uncle refinanced his home $260K to help his son, the loan has fraud written all over it. My uncle’s age 70 was given a 30 year loan, his wife’s name was taken off the deed with no consideration to facilitate the loan, they used an appraiser outside the area, used a false address as his living address ... Read More »

                        Sinking Into Debt Quicksand, Inch by Inch. – Diana

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                        “Dear Steve, Lost my job of 4 years when I was almost 5 months pregnant. Now my baby is 2 months old, I have a 6 year old boy and a 4 year old boy aswell. My “husband” ( not really married) of 8 years has been the backbone of the family, But I can’t help but notice that we ... Read More »

                          My Debt Scares Me And Keeps Me Up At Night. – Lee

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                          “Dear Steve, It’s about 6 am already – been awake since midnight after a couple of hours of sleep. I am in such a frightening situation and it’s all because of our financial crisis. To top it all off, we recently had a flood in our basement which doesnt help much. We are in danger of foreclosure. Lived in our ... Read More »

                            I Went Into a Debt Settlement Program With Allegro Law and Lost Money. – Yvonne

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                            Yvonne “Dear Steve, I went into the debt settlement program with Allegro Law Firm in Prattville, Al and lost $1149.00. I closed my account at the bank, now I owe late fees and higher interest I had good credit until I was told to let my payments get behind. I am 72 years old retired and have an invalid son ... Read More »

                              I Can’t Afford to Save My Life And Pay My Credit Cards At The Same Time. – GPOT

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                              GPOT “Dear Steve, I have more than 10 credit cards. I am self employed and up to today, I have been able to meet all my payments. Because I’m self-employed I have to health insurance. I have just been diagnosed with prostate cancer and I have been given no hope. As you can imagine my family doesn’t want me to ... Read More »

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