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Ask The Get Out of Debt Experts

I Can’t Afford My New House. – Tim

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“Dear Steve, My work loaded dropped off and I have 350.00 a week child support just bought a home about 4 mths ago barrowed from 401K for that and now due to lack of OT work can not make ends meet along with CC. and utilties I am behind in everything. Not much left in the 401K fund but should ... Read More »

    We Can’t Afford to File Bankruptcy. Our Business Fell Off a Cliff. – Lynn

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    “Dear Steve, My husband and I both have our own businesses…5 and 6 years of growth..then…off of a cliff! We were keeping up with minimum payments…but now can just make basic mortgage and groceries, car no excess! We started filling out BK paperwork in Sept..haven’t paid credit cards…48 voice messages a day! The atty wants $1650 just to file..and the ... Read More »

      My Nephew Is $62,000 In Outstanding Debt, How Can We Help Him – Teresa

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      “Dear Steve, My nephew is 62,000 in outstanding debt all which are not in collections. We have contacted a lawyer that says he will get the amount down about 40% and then we pay them about $8000 over a period of 11 months. They want my nephew to sign something before we really know the exact amount that will be ... Read More »

        We Got Burned By the Legal Debt Center, Hess Kennedy Law Firm, and Allegro Law on Debt Settlements. – Kevin

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        “Dear Steve, My wife and I commited to getting out of debt 2 yrs. ago. We went with the legal Debt Center. (Hess kennedy) They cleared up one account and then told me they can no longer help. We lost 10K. We might get a little back. We came accross Allegro and they promised what happened to Legal Debt Center ... Read More »

          Should We Just See A Lawyer About Bankruptcy Before This Gets Worse? – Susan

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          “Dear Steve, Dear Steve, My husband’s work in construction ended last year so he made $900 and is trying to get started in a sales position that is costing some money to get started. My overtime has been cut drastically and I am now making about $61,000 a year. To keep up with bills and payments we have used credit ... Read More »

            We Just Got a Summons to Appear in Court From American Express. – Nathan

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            “Dear Steve, Help. My Wife and I just received a summons to appear in court from American Express. We both had a decrease in income and admittantly ran our debt too high. Once we realized we were over our head, we began the process of working something out with all of our credit cards. American Express was the only one ... Read More »

              How to Find a Good Bankruptcy Lawyer or Bankruptcy Attorney

              Click here for free bankruptcy evaluation

              So the time has come that you feel as if you need to explore bankruptcy. At least you want to talk to a bankruptcy lawyer about what bankruptcy would mean for you. People often can’t see that finding a bankruptcy attorney does not mean you are going to file bankruptcy, it means you are going to talk to a professional ... Read More »

                The Bankruptcy Means Test and Limits are Not Fair. – Colette

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                “Dear Steve, Family of 4, one income family with debt that we want to clear up Filed chapter 13 Nov. 17th. We are a 4 person household with one person working. We have no problem paying our debt back but the monthly amount is so high that we are trying to figure out how to pay our monthly bills and ... Read More »

                  I Don’t Want My Wife to Lose Her Car. I Think We Both Need to Go Bankrupt. – Andrew

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                  “Dear Steve, I have about $45,000 in credit card debt. I would like to negotiate with my creditors to take smaller payments, but one card is garnishing nearly $600 a month so I have nothing to offer the other creditors that are calling and calling. What should I do? Bankruptcy is an option and I did see a lawyer, but ... Read More »

                    I’m Drowning in Debt in New Zealand and South Africa. – Drowning

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                    “Dear Steve, 50yr female, 2weeks back in South Africa; 2years out of SA; made redundant few mths after obtaining work+work permit in NZ; unable to obtain work+renew work permit; borrowed money in SA to go + borrowed in NZ for airfare back home. Job hunting now; pennyless; no possessions; living off relative. Suffers from Osterich Syndrome; did not inform creditors ... Read More »

                      I Was Thinking About Bankruptcy. Would This Have An Effect On My Loan Modification? – Tim

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                      “Dear Steve, I have worked in auto sales for the last ten years and things have really gone down hill over the last few years. I was just let go at the begging of Feb. and have been collecting unemployment. I’m two payments behind on my mortgage and have a huge amount of credit card debt and unsecured loan debt. ... Read More »

                        I’m Being Sued by Zwicker & Associates for Amex. – Mick

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                        “Dear Steve, I am being sued by Zwicker & associates There first contact with me was a summons. They claim to be representing AMEX, But I believe that they are A Debt collector. I have sent in an answer to the summons to the court and to them,but they say that they do not have to answer my questions and ... Read More »

                          I Have An OK Credit Score But Can’t Get a Credit Card. – Chris

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                          “Dear Steve, I am graduating from college this semester with an Associates of Science in Communication. I have no credit card debt but have roughly $50,000 in student loan debt, due to out of state tuition costs and loss of a job I had. I have a job as a NJCAA sports broadcaster at a community college and make about ... Read More »

                            An Old Zombie Debt Has Resurfaced. What Should I Do? – Greg

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                            “Dear Steve, I have a zombie debt from 1997 that a company is calling about now. It was from a large retailer and while I’m pretty sure it was paid (Only a couple hundred dollars) I won’t swear to it, it’s just too far back to be sure of. Texas law says soL has ran out (4 yrs). I can ... Read More »

                              Bankruptcy Is Not the Honest Christian Way to Solve Problem? – Kristen

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                              “Dear Steve, We have aprx. $80,000 in unsecured debt. We are a family of seven. My husband, myself and our 5 children. We are drowning. I was making the min. payment on the credit cards until they started charging obscene interest rates. I have recently fallen behind – or – well refused to pay them their min. payment. I was ... Read More »

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