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Ask The Get Out of Debt Experts

Home Owners Advocacy Group – Contract Review

HOAG1

A reader sent in a contract with Home Owners Advocacy Group they had recently signed for some sort of mortgage assistance of foreclosure avoidance. I am now a lawyer. What follows is my opinion of different sections of the agreement in an effort to help readers better understand what to look for and what it means. If you have a ... Read More »

    Why is My Ex-Husband Not Responsible for This 1099-C From the Repossession?

    hiding-1

    “Dear Steve, Divorced single mom of three. The IRS held my last years refund of $9000.00. I finally asked them why and they said I failed to file a 1099-C from a 2006 repossesion and the vehicle was awarded to my ex in the divorce. The amount on the 1099-c is 10,300.00. I can’t afford to amend the return and ... Read More »

      We Have Some Items On Our Credit Report We Want Removed – Lisha

      No problem

      “Dear Steve, We started to have troubles making payments. Did Bankruptcy. Trouble again and we re-fied our house not once or twice about 4! Took a 2nd out… Around and around sprial…. husband lost his job. Lost house. Moved out of state and did Bankruptcy AGAIN! It was bad decision after bad. And it was all in thinking we were ... Read More »

        Are All Student Loan Assistance Companies a Scam?

        Business Meeting

        “Dear Steve, I am a bankruptcy attorney and looking to provide services to those with student loan problems, as well. You appear to believe most or all companies that help you with student loan issues are scams. Do you think there is any student loan service that can be provided to the public that is not a scam? I genuinely ... Read More »

          Asset Rich But Cash Poor. Want to Settle My Debt and Pay for Delete

          family portrait

          “Dear Steve, I have a different problem than a lot of your readers. I have lots of assets, but my income is very limited. I have property worth about a million dollars, but because it is more than 5 acres with a manufactured home no one will loan against it. In about 2 years will start collecting social security so ... Read More »

            Ocwen Condo Foreclosure in Limbo Leaves Me Worried About HOA Fees and Mortgage Modification – Frank

            do nothing

            “Dear Steve, Condo in foreclosure since May 2011, mortgage previously with GMAC, now taken over by Ocwen. Retired in January and wrongfully assumed I could just start making payments on the mortgage. Halt, you must go through a modification with Ocwen to stop the foreclosure. Agreed and sent all paperwork and info they requested. Ocwen rep calls weekly to check ... Read More »

              My Debt to Income is Very High and Nobody Will Give Me a Loan – Lisa

              life begins at end of your comfort zone

              “Dear Steve, I am living on social security and savings, which are quickly becoming very scant. As my roof leaked over my head as I was sleeping, realized I needed to do something about this and thus began my quagmire (good word!) of a problem. Paid $8000. from five 0% promotional credit cards, carefully figuring out how much each card ... Read More »

                What Happened to ABC Legal and Did They Take My Money?

                under construction

                “Dear Steve, What can be done with THE ABC LEGAL GROUP? The Wesbsite is down… Am I screwed…I am a widow with 3 children.. MY husband passed away back in 2009. I have done some research… and found the following information NEW OWNER FOR ESQUIRE LITIGATION…. I have spoken to a woman named Shirley. She has no idea what she ... Read More »

                  The Bankruptcy Trustee and Attorney Screwed Up My Bankruptcy. – Teresa

                  keep going

                  “Dear Steve, Our bankruptcy has came to an end but in going over the details, I found MANY unethical things. 1 – it seems my attorney and the trustee were in each others pockets. 2 – the credit union put a $65 a month insurance on the vehicle that was through them but I have always carried full coverage insurance ... Read More »

                    How Do I Deal With My Dubai Apartment Debt From the UK? – Gary

                    fear is a prison

                    “Dear Steve, I am hoping if you could kindly spare a few minutes to clarify something for me? I live in the UK and in 2005 I decided to purchase an off-plan property in Dubai. I initially contacted an agent in the UK regarding the property and then I entered an agreement with a building owner in Dubai resulting in ... Read More »

                      My Credit Union Won’t Give Me My Car Title Because I Have a Credit Card Balance

                      Black Leather Flogging Whip and money on white background. Not i

                      “Dear Steve, Worked for this credit union who in the past had federal investigators in when there were bogus loans. Worked there for 15 yrs. I paid my car loan off with my credit union but they won’t give me the title. I owe on a visa account there and they are pulling the cross collateral trick. Thing is I ... Read More »

                        Is My Plan to Deal With My United Recovery Debt a Good One?

                        stolen idea

                        “Dear Steve, 1. 1993 – I get a credit card, my first and only (Cap One). 2. It’s fine for several years. 3. 2003 – Divorce, followed by scary major illness; unable to work. Disaster. Balance creeping up. 4. More disaster. Long irrelevant story. I use the cc to pay the rent. Keeping the roof over the kids’ heads. 5. ... Read More »

                          How Can I Get Out of This Judgment and Wage Garnishment?

                          debt hole law tada

                          “Dear Steve, In 2008, at the age of 18, I moved out of home, into an apartment with a roommate. The rent was high ($1300/mo), and about 4-5 months into the lease, my roommate’s work started to decline. One morning, she up and moved out, and with management (which has since changed, and the rates have lowered) being completely unhelpful, ... Read More »

                            I Co-Signed for a Private Student Loan and It’s Killing Me

                            robbery

                            “Dear Steve, I co-signed a private student loan that is now in collections and ruining my DTI. I found your petition for the Fairness for Struggling Students Act on change.org. Have you had any contact with Senator Coons or anyone else on the senate judiciary committee regarding this? I am a DE resident and trying very hard to push on ... Read More »

                              Does a Debt Consolidation Program Lower My Credit Score?

                              Mature woman confused

                              “Dear Steve, I need to consolidate credit card debt of $9,000.00. Does debt consolidation go against my credit rating, or lower my score? Do I have to close out my credit cards with my creditors to go forth with the program? Phyllis” Dear Phyllis, The term debt consolidation encompasses so many options that it’s hard to tell exactly what you ... Read More »

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