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Ask The Get Out of Debt Experts

I Am a Florist Trying to Pay Back My Business Debt. – Marina

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“Dear Steve, I am a florist who rec’d $ 65,000 in back loan to start up a business.It is Down to $54,000 still have $16,000 in credit card debit with five cards. I have several private and corp clients to pay the bank loans. Plus I have two part time jobs as a florist to pay household bills and paid ... Read More »

    Do I Wait Out the Statute of Limitations or Deal With This Now? – Justin

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    “Dear Steve, Hey how are you I am 22 and live in Philadelphia area the law states here (i think) that 4 years is the limit for creditors to come after me. Two and 3 years ago I was having too good of credit for my age and was extended an 2000 unsecured bank of america card. The thing is ... Read More »

      I Am Looking to Consolidate My Debt And Then Form a Plan to Get Rid of It. – Drowning In Debt

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      Drowning In Debt “Dear Steve, In a TON of debt…looking for a way out. I am looking first to consolidate my debt, then form a plan to get rid of it. I have a $235,000 mortgage at 5%, a $65,000 interest-only second mortgage at 3.75% and about $47,000 worth of credit card bills. I was one of the millions of ... Read More »

        They Repossessed My Car and Now Say I Owe Eleven Grand. – Don

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        “Dear Steve, My car was repossed. I fell behind on the payments, the transmission went out, and I didn’t have a place to live for a short period of time. I had to choose and having a place to live won out. I’m employed and have just received the deficiency notice. I owe $11,000 which of course I don’t have. ... Read More »

          We Signed Up With ClearOne Advantage And Now Getting Sued by Navy Federal Credit Union. – Fran

          “Dear Steve, We have signed up with a debt consolidation company Clear One Advantage a year ago we are in debt 100k. What does it mean to be sued by a Navy Federal Credit Union. Can they take our house, cars assets? How should we handle this mess. Should the debt consolidation company step in? Fran” The Answer   Dear ... Read More »

            I’m Draining My SEP Retirement Funds to Keep Up My Credit Score. – Diana

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            “Dear Steve, At over 50 with excellent credit score and lines; self-employed for 25 years until recent couple of years (digital age/economy caused inability to rebound thus far), and after a nasty divorce over 5 years ago (which started the debt cycle – he dragged me through court), and a relo back home to Michigan (in 2005), I find myself ... Read More »

              After My Divorce My Finances Went Downhill. Should I Give My Car Back and Go Bankrupt? – Lynette

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              “Dear Steve, I have a lot of old, old debt from my marriage that ended in divorce 4 years ago. Due to myself having the only full-time income at the time, all of the debt was in my name, so my ex-husband got out of having to deal with it. Anyway, I have been struggling, just to survive since the ... Read More »

                I Don’t Want The Car In My Driveway, I Can’t Afford, to be Repossessed or Effect My Credit. – Brandy

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                Brandy “Dear Steve, I signed a car loan for an ex, now he is not paying…What do I do next? In November 2008 my boyfriend of 3 years and I went to a auto dealer. We traded in both are vehicles for a 2005 Jeep Liberty (for him) and a 2004 Nissan Murano (for me). He was not able to ... Read More »

                  Will I Be Arrested in Dubai For My Debts? I Have a Flight Connection to Make There? – Sheikh

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                  “Dear Steve, I was in dubai for more than 15 years, and had to leave dubai in pain and on sad grounds due to sever financial hit and serious family matters. I had bank loans and credit cards which I could not manage to pay for 6 monts nnow and tha banks kept on calling. I wanted to go back ... Read More »

                    I Lived in California and Had a Debt I Did Not Pay. I Now Live in New Jersey. – Monika

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                    Monika “Dear Steve, I lived in California when I incurred credit card debt of $1300 in 2003. In 2005, I got married and moved to Texas and have been uemployed since then to pursue higher education. In 2009, I moved to New Jersey and started getting mails and phone calls from a collection agency regarding $1300 debt. I ignored them ... Read More »

                      I Need a Grant to Pay Off My Nursing Loans. – Deanna

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                      Deanna “Dear Steve, I am a single mother of 2. I graduate with a BSN in nursing but of student loans far outway what I make. Sallie Mae is now threatening to take legal action or start garnishing my wages. I either pay rent or pay sallie mae. What can I do to either pay them off or get some ... Read More »

                        My Contract Mobile Fone is Overdrafting My Current Account. – James

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                        “Dear Steve, i live in the UK 6 months ago while i was working i took out a contract fone for £35 a month. recently i am out of work and cant pay this every month and it goes to a overdraft so on top i am getting £25 overdraft fees. i am looking for work i dont know how ... Read More »

                          I’m Bipolar, Tried to Kill Myself, and Nobody Will Listen to Me About My Debt. – SC

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                          “Dear Steve, Hi, I am desperate for help. I have been mentally ill for a decade now and at one point three years ago my medications were not right and I fell into my bipolar disorder full force. When I was manic I would make poor financial decisions and got into so much debt. I tried to commit suicide twice ... Read More »

                            I’m Worried About Going With ClearPoint Credit Counseling Solutions or Care One Credit Counseling. – Mike

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                            “Dear Steve, Married 3 kids combined income of about $90,000 gross. Have a home with an interest only mortgage that’s has a year left before it converts. We owe about $25,000 in credit cards. We want to get the debt taken care so we will have enough to refinance to a fixed rate loan to keep our house. Currently with ... Read More »

                              I Have No Debt But My Student Loans Are Hurting My Credit Score. – Maria

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                              “Dear Steve, Currently trying to buy a home Fresh Grad 1st year New Hire Paid off all debt–except for student loans ($40000) I have been working very hard at imporving my credit since I have obtianed a job in healthcare fresh out of college (’08). I was at 619 and was enrolled in classes this semester. I spoke with my ... Read More »

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