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Ask The Get Out of Debt Experts

Citibank Just Raised My Rate to 29.99% and I Can’t Afford That. – Jon

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Jon “Dear Steve, I filed bankruptcy in 2003 and have allowed myself to get into credit card debt once again. This time is not nearly as bad, but it still isn’t good either. It totals nearly $20k and I received a notice from Citibank stating that they are raising my interest rates to 29.99%. There is no way I can ... Read More »

    Will I Be Allowed to Leave Dubai Even Though I Owe Money? – June

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    “Dear Steve, I’m working on an engineering consultancy as autocad draftsman, im already 2 years but til now, our company didn’t got any new projects for the whole years. I got another job in Saudi Riyadh and theyre still waiting for my report and ready to start anytime.so i planning to file resignation and going back to my home country ... Read More »

      What If I Close My Bank Accounts Because of Payday Loans? – Cameron

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      “Dear Steve, I have several pay day loans. I took out the loans so I could make a mortgage payment. I had to make the payment or the mortgage company could have started foreclosure. I honestly want to repay the loans but can’t. I’ll be trapped in the cycle of renewing the loans over and over again. When I took ... Read More »

        I Filed Bankruptcy. How Do I Legally Rebuild My Credit? – Janet

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        “Dear Steve, I finally filed for bankruptcy. I am anxiously waiting for my hearing. But I am now trying to look forward to the next phase in the process of getting back on my feet. I filed Chapter 7. I have a house that I am current on with very little equity, so I will be able to keep the ... Read More »

          I’ve Been Living Off My Credit Cards While I Started My Own Business. – Phillip

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          “Dear Steve, I have over 30K in credit card debt. I have been carrying this around for several years. I was living off the credit card while I started my own business. I don’t use credit cards anymore, if we don’t have the cash we don’t buy it. But obviously the monthly payments are high, and we are not paying ... Read More »

            Citibank is Holding Me Over a Barrel With Change in Terms. – Steve

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            “Dear Steve, I have had a Citibank card for 20 years. I carry just under $15,000 in debt. Recently I received notice from them that the terms of my account are changing. Included is an increase in the variable to 18.99% from 14.240%. They have given me the right to opt out and pay down my balance on my current ... Read More »

              I Filed Bankruptcy. It Wasn’t as Bad as I Thought It Would Be. – Lynn

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              “Hi Steve, After searcing out every option and reading everything in your articles I finally filed for bankruptcy. I signed the papers yesterday. I had a few appointments before I found a Lawyer I was comfortable with. I wrote you about one attorney who was so nasty I cried afterward. I took your advice and tried again. So here I ... Read More »

                I’m in Debt to the IRS and Student Loans Only. What Can I Do? – Veronica

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                Veronica “Dear Steve, Gawd I hate being in this situation, but I am 45 years old and almost $70,000 in debt. Most of it is from student loans, IRS, and other loans. No credit cards. I’ve heard that you cannot file bankruptcy with IRS or Student Loans debt. Was wondering if this is true. If so, what other options should ... Read More »

                  With Debt Rx USA I Have Had a Miserable Time and I Question Their Legitimacy. – Ralph

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                  Ralph “Dear Steve, I am curious of your experience with Debt rx Usa. I have had an absolutely miserable time with them. In fact I don’t get the Jerry MaGuire approach at all, it’s more like a cork in the ocean feeling. I question the legitimacy of this group. In a nutshell, Since I have joined up with this “Company”, ... Read More »

                    I Can’t Sleep and Have No Food But Collectors Want More. – Anikka

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                    “Dear Steve, I signed contract with ad agency for reduced rate advertising that cost $2400. I had to cancel and they sent final invoice for $2400. I couldn’t pay and the collection agency is asking for $3600. . I have now paid $2400 and just realized the difference. I made payment arrangements and can’t make the final $1200 payment so ... Read More »

                      Navy Federal Credit Union Told Me to Go Bankrupt. – John

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                      “Dear Steve, I owe $17,000 in credit cards. I am going through financial hardhsip. I owe 17K to NFCU for credit card. I have spoken to their collections dept. several times. We have been unable to come up with a payment plan that fits my situation. They want 250.00. Can only afford 50 per mo. at this time. This is ... Read More »

                        Should I Consolidate Medical Bills to Pay Them Off? – Damon

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                        “Dear Steve, I have about $7,000 in debt on my credit report for Dr. bills should I consolidate and pay them off or should I pay them off individually, my current savings status would allow me to pay them off but would leave me broke. Also, my bank still shows a loan from 15 years ago as “open” it is ... Read More »

                          Where Can I Go to Get a Consolidation Loan With a Better Interest Rate? – Jennifer

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                          “Dear Steve, Citibank MasterCard increased my interest rate to 19.99% from 14.99% in the summer. I have a balance of $6,000 now. I have always tried to pay twice the amt due. Since my rate increase my debt is increasing. I have paid $1200 in the past 6 months and have not seen a significant decrease in the balance. They ... Read More »

                            How Can I Get Past This Bad Debt And On With My Life? – Amanda

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                            “Dear Steve, I went through a divorce for about 1 1/2 yrs. and it was final in May 2009. We had our car repossessed in Jan 09, fell behind on credit card pmts (most all in my name) totalling approx $ 30,000.00 and now my home was foreclosed on by BOA, even though they admitted to giving me false information ... Read More »

                              I’m Broke in Florida and Can’t Afford to Go Bankrupt. – David

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                              David “Dear Steve, My pay is garnished each month for $800 a mnth in child support payments. My 15 yr old son has lived with me for almost 4 yrs now so I pay for all his needs from home to school and our living costs each month don’t leave much left. I live paycheck to paycheck. I live in ... Read More »

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