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Ask The Get Out of Debt Experts

My Father Cosigned for Our Truck. He Doesn’t Know He Owes the Debt. – Jami

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“Dear Steve, Hi. We have run into quite a bit of problems. It has been one thing after the other, and some rather bad choices. In 2004, we had a car with a small payment. Only $284 per month. My husband decided that he would like a van for our family since we have 4 kids. (The first car was ... Read More »

I’ve Gotten The Alimony Lowered But Still Neck Deep in Debt From the Divorce. – Steve

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“Dear Steve, I came to Texas for employment after 7 months of unemployment. Leaving my wife behind, she refused to come here. My new job came to an end after 4 months and faced 4 months of unemployment, the job market was in Houston so I stayed and was employed again by GE Energy. Still my bills from 11 months ... Read More »

I Thought I Did the Right Thing With My Perfect Credit. – Jim

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“Dear Steve, I have always prided myself on having good credit. I never missed a payment on any secured or non secured loan, including credit cards. A few years ago, I wanted to upgrade where I lived so I purchased a nicer Florida condo and kept my old condo to rent. I purchased a condo that required 12% down, so ... Read More »

Are Debt Management Programs For Real? – Kim

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“Dear Steve, I am in over my head and I really don’t have a clue if I can ever get out of debt. I have six credit cards, most of which i have closed. I currently am making minimum payments on my credit cards (6) and the loan I took out from Bank of America. Totally I owe 30,000 with ... Read More »

I’m in the Allegro Law Debt Management Plan But I Can’t Get a Hold of Them. – Melissa

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“Dear Steve, I have an account with Allegro Law. I found out by accident that the company is not in business anymore, but my money is still being taken out of my account and being paid to my creditors. I have moved and need to give them my new address, but can’t get ahold of them. How can I get ... Read More »

I Am Totally Helpless When it Comes to Understanding my Credit Report – Janet

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“Dear Steve, I am totally helpless when it comes to understanding my credit report, and making a choice as to what to start paying back first. What do i need to do to get things straight? Janet”   Dear Janet, The good news is that dealing with your credit report and developing a repayment plan can be a relatively straight ... Read More »

I’m So Far in Debt I Don’t Know What to Do – Gloria

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Gloria “Dear Steve, I have gotten behind in mortgage vehicle and monthly payments. I have so many collection agencies contacting me that I don’t even know how far into debt I am. I have credit card debt that is above $10,000. My husband is laid off of work. I am being garnished . i just don’t know what to do ... Read More »

I Am Pregnant and Unemployed. Are Their Companies That Can Provide Me With Debt Relief? – Chris

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“Dear Steve, I’m 3 months pregnant. I have been out of work since February of this year. I have an outstanding credit card debt of approximately $12,000. I’m afraid that I won’t find a job soon to pay off my debt and eventually be homeless with child. Are there any companies that provide debt relief for someone who is unempolyed? ... Read More »

I’m a Stressed Out Baby Momma and Need Help. – Mom

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“Dear Steve, My husband and I were doing very well with finances until about 2 years ago. We got deeper and deeper in debt, and now we are $35,000 in unsecured debt. I found out I was pregnant 7 months ago and started saving money until my sister came to me for help-to make the long story short I lent ... Read More »

Business Consultant and Entrepreneur All Tapped Out. – Sandy

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“Dear Steve, Business consultant and entrepreneur, full of great ideas, very short of contracting work for the past year, currently on state benefits, 50k in debts and growing (mostly credit cards), no assets (sold everything I could to survive), and hardly any income getting in, just bearly making ends meet every month, just about surviving. Is the solution bankruptcy or ... Read More »

I Recently Became Late on Several of My Bills Including Two Car Loans. – David

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“Dear Steve, I recently became late on several of my bills including two car loans. I maxed out a credit card to cover me when my wife become unemployed and pregnant. She has been unable to gain employment since then. I purchase a 2009 Dodge Caravan several months ago and now may have to relinquish it to the lien holder ... Read More »

I’m a Hard Working Blue Collar Worker And I Can’t Pay My Bills. – Steven

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“Dear Steve, A hard working blue color man, worked for 30 years before getting injured on the job May of 08. I am now considered disabled. Besides trying to save my home from foreclosure, Capital One is suing me for nonpayment; I received papers from the sheriff saying I have 20 days to respond. Seeing how I am disabled and ... Read More »

I Am a 53 Year Old Pilot With a Side Small Business in a Lot of Debt. – Rich

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“Dear Steve, I’m a 53 year old pilot making 85K/ yr. I also own a small business that I invested heavily in hoping to start reaping profits by now. Instead, I’m now in debt for about 40K in outstanding business expenses with about additional 25K in credit card debt and 18K unsecured loan. I loaned my Dad 9K before the ... Read More »

Can I Keep One Credit Card Open for Business in a Debt Management Plan? – Dave

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“Dear Steve, I am just barely above water, and the tide is coming in! 132,000 in mortgages (first & second). 53,300 in credit cards. Can you recommend a reputable debt management service? My goal is to pay down debt as quickly as possible w/out to much damage to credit. Also, I need to keep one card available for business- can ... Read More »

I Got Laid Off and My Credit Cards Won’t Reduce My Monthly Payments. – Michael

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“Dear Steve, I got laid off a couple of months ago and we cannot get any of the credit card people to reduce monthly payments for us. we are starting to drown. they all tell me that the only way they can help is if i stop paying, then they can help me. How can i get them to drop ... Read More »

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