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Ask The Get Out of Debt Experts

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 »

                            How Can I Get the Car Repossession Lawyer to Accept My Settlement Offer? – Garlena

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                            Garlena “Dear Steve, I cosigned for my son a car in 7/25/2001. We were in an accident, and the car was repossessed on October 3, 2006. The car was sold by private sale at Southern California Auto Auction. They said the vehicle sold for $1000.00, or 19% of the then book value of $5075.00. The Total Contract amount was $42,905.40 ... Read More »

                              I Am Attempting to Negotiate a Debt Settlement With Discover Card. – Evelyn

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                              Evelyn “Dear Steve, Got involved with a debt elimination progam and it didn’t work. Attorney Berman’s office is suppose to be the attorney for Discover. Berman’s office got a judgment against me and I took them back to court in April and had that overturned by the judge since the judgment wasn’t valid. Berman’s office turned around and started setting ... Read More »

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