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Ask The Get Out of Debt Experts

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 »

          My Twenty Year Old Daughter is in a Terrible Financial Situation. – Sam’s Mom

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          Sam’s Mom “Dear Steve, My daughter is 20 and what credit she has is already bad. She lived with a boyfriend (and friends) for two years and now has moved back home. Her current job is in the food industry on a college campus so that job will be gone when the school year ends. We have already used her ... Read More »

            I Have a Credit Card I Used For Medical Debts. I Want The Debt Cut in Half. – Cathy

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            Cathy “Dear Steve, I have a credit card used mainly for medical bills over the years , I owe $17,000 on it and have not charged anything on it for 4 years. I pay more than minimum payment How can I get it paid off or cut in half Cathy”   Dear Cathy, If you want to get it paid ... Read More »

              What Can I Do to Lower My Interest Rate With Citibank? – Joe

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              “Dear Steve, Well I have a fair amount of credit debt about 50 grand, half of that with citibank, I have always paid my bills but now Citibank has raised my interest to 24.99. the payments are now truly more than I can pay. I own a home (which i make payments on and is not in any danger). I ... Read More »

                Stopped Making Payments. In Debt Settlement With Option One Financial Group. – Charlie

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                “Dear Steve, I have stopped making payments on my cards about 6 months ago due to fact I just did not have the money to keep up with payments…joined Option One Financial Group for help and signed up for a program with them whereas they would contact my creditors and negotiate a settlement with each one…was instructed to make a ... Read More »

                  I Want Bell South and Verizon to Settle My Debts. – Jacinta

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                  Jacinta “Dear Steve, I am buying a home very soon, may 22, I must payoff two debts from my credit report before I can close, I have a bell south debt (phone company) and time warner debt (cable service) from 2004, I live in NC. these accts are with a collection agency, I have contacted both of these agencies to ... Read More »

                    I’m $850 in Debt, in College, and Don’t Want to Tell My Parents. – Jessica

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                    “Dear Steve, I am a college student with 2 years left of undergraduate school and then one more year for grad school. I got a credit card last summer and was doing fine until school started. I couldn’t find a job so my bill racked up to around $850. I still am unable to find a job and I am ... Read More »

                      We Are Living Above Our Means And Can’t Make Our Payments. – Pam

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                      “Dear Steve, Where to begin. We got ourselves in a huge amount of debt, around $20,000. I can’t make the payments as we are living above our means. When we bought our house our incomes matched the house, then I lost my job and had to take a lesser paying position. My husband’s job was moved out of the country ... Read More »

                        Debt Settlement or Debt Negotiation, What’s the Difference? – Carrie

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                        “Dear Steve, Hi. My husband and I just got married in October 2009. Our financial life together has been anything but a fairytale. I graduated from law school in May but have not yet passed the bar exam and have not been able to find employment in the legal field. I just started working at a new job in the ... Read More »

                          An Account in Collections With MRS Associates. – Patty

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                          “Dear Steve, My nephew has credit card debt which has gone to collection with MRS Associates. Who should he contact in order to set up a payment schedule. The credit card company or the collection agency (I’ve heard horror stories about this one). Where should he start? Patty” Dear Patty, Have your nephew call the credit card company using the ... Read More »

                            Bill Wants to Know “Do I have to Repay My GM Credit Card if GM Goes Bankrupt?”

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                            “Dear Steve, I have a GM credit card and if GM goes bankrupt will I not have to pay that back? Bill”   Dear Bill, Today is not your lucky day. If General Motors does wind up going bankrupt you will probably lose any perks or rewards you’ve earned but not used from your GM Card. Those perks are a ... Read More »

                              Am I Judgment Proof? – Larry

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                              “Dear Steve, I am on Soc Sec Disability (SSDI). I have over $10K in credit card debt. I have no other debts, loans, no student loans, no child support and no taxes due. I have 3 cars which I owe no money on (two 1999 models and a 1991 model) that may come to a grand total of $4K in ... Read More »

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