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Ask The Get Out of Debt Experts

My House Needs a New Roof. – George

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“Hi Steve, Im finally on the right financial track since I am starting to pay off my $20,000 credit card balance since I stopped using the card and am now paying more than the minimum due. Also, I just started contributing to the retirement plan at work as well and also started putting a little in a savings account. Doing ... Read More »

    Bank of America Gave Me a Settlement Amount But They Keep Changing It. – Rob

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    “Dear Steve, I talked with Bank of America Credit card, they gave me a settlement amount, it was too much for me to pay immediately on the phone as requested. I sent them a check for the amount with a letter stating it was for the agreed amount for settlement etc. They cashed the check but never settled the amount ... Read More »

      American Express is Chasing Me in the UK. – Lee

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      “Dear Steve, About 8 years ago I moved to London and travelling back one day in a service station i was approachhed by a rep asking me if i was interested so ahead i went 2 weeks later a card appeared.over thenext few months the limit was maxed i was paying the payments then lost my job. I then moved ... Read More »

        I’m Recently Married With Credit Card Debt. Can I Get a Personal Debt Consolidation Loan? – Tiffany

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        “Dear Steve, I am recently married and have $12,000 in credit card debt. I would like to take out a personal loan with a lower interest rate to get it paid within the next 2 1/2 years…much quicker. My husband is worried that it will affect our credit score and we won’t be able to buy a home after. Would ... Read More »

          The Cash Store Won’t Help Me to Break The Loan Cycle. – Cindy

          CFSA Extended payment Plan EPP

          “Dear Steve, I currently have an installment loan with The Cash Store and due to recent home repairs am no longer able to meet this obligation. The balance owed is $830 and I’ve been paying $369 every 2 weeks. I called them prior to my next due date to inform them that I am no longer able to pay and ... Read More »

            I’ve Been on the Care One Debt Management Program For Two Years. I’m on Disability. – Laurel

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            Laurel “Dear Steve, I’ve been enrolled in Care One debt management program for over two years for 4 credit cards which all are over $1400.00 I am on Permanant disability and live in New York. I am getting to the point where I don’t know how long I can stick out this situation as its a toss up between food, ... Read More »

              My Son Was Stationed in Iraq And I Took Out a Credit Card in His Name That I Can’t Pay. – Veronica

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              Veronica “Dear Steve, My son was stationed in Iraq a few years ago, and I had power of attorney. I took out a credit card in his name, with the intentions of establishing credit for him when he got out. Due to unforeseen circumstances, the debt remains unpaid, and my son is stuck with the bill. All I want is ... Read More »

                Steve Writes In “I Want to Cash Out My 401(k) And Pay Off Debt.”

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                Steve wrote me through the site to ask his question below. You can too! “Dear Steve, I currently make $46,000.00 per year with no benefits. My wife’s income is $19,800.00 per year. Three years ago her income was $35,000.00 per year. We have racked up about $20,000.00 in credit card debt and have a car loan of which the ... Read More »

                  I Feel So Stupid For Being So in Debt. – Chivon

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                  “Dear Steve, Here I am 21 years old and finding myself in a huge mess. I am roughly about 10,000 dollars in debt. At such an early age I feel like a moron. About five thousand of it is from bank accounts that i let go so deep in the negative its unreal and a credit card with a five ... Read More »

                    Should I Use My Tax Refund to Pay Off My Credit Card Debt? – Cassandra

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                    “Dear Steve, I’m a 39 year old single-mom of two, who makes about $30,000/yr. I currently have credit card debt of about $7800. No savings. No 401K. I usually get a tax refund of around $4000. So, my question is, do I pay off as many credit cards as I can with the refund or do I bring the balances ... Read More »

                      Where Can I Get a List of All the Medical Bills I Owe? – S

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                      S “Dear Steve, I know I have a lot of old medical bills, but I admit that I have not been very organized and no longer have copies of the bills. I am trying now to pay off all debts. Is there a website or place I can contact to get a complete list of all the medical bills that ... Read More »

                        Is Money Management International a Legitimate Debt Consolidation Company? – Jim

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                        “Dear Steve, I have $70,000 in credit card debt, irregular income, paying for son’s college education, current with all my creditors so no calls to date Is money management international legitimate? i have communicated with a few debt colsolidation companies, have read all sorts of complaints on various blogs of these firms, as they did not deliver what they stated. ... Read More »

                          My Mother Buried Three Kids on Credit. – Theresa

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                          “Dear Steve, My mother is being sued by Chase Bank. She’s 80 Jan. 2010, works full time 7.78hr-14 yrs. same employment dishwasher. Raised 5 kids, buried 3 on her credit. Did get small ssa from dead dad 1894-1965 (so he didn’t pay much in) No public asssistance i.e. food stamps, welfare. Just worked & payed bills her entire life. She ... Read More »

                            I’m Getting Divorced and Can’t Afford My Bills. – Kate

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                            “Dear Steve, I am currently in the middle of getting divorced, and have about $23,000 in credit card debt and $30,000 in student loans. I currently can not afford all the debt payments as well as household expenses and my soon to be ex-husband is a stay at home dad who has been unable to find work. I had contacted ... Read More »

                              I’ve Been Living Off My Credit Cards for a While. – Tai

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                              “Dear Steve, I am a married woman 27 years old. I have a two year old daughter and I am on a fixed income. I am considered disabled by the state in which I reside and receive $642 per month from SSA and SSI combined. My husband is not working and does not contribute to household cost as he did ... Read More »

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