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Ask The Get Out of Debt Experts

Is There Any Way to Get My Overdraft Fees Reversed? – Sheri

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“Dear Steve, I have been charged so many overdraft fees by my bank, now I cannot pay my bills there are 1300.00 worth of fees. Is there a way to get these reversed Sheri”   Dear Sheri, If the fees built up because your account was actually overdrawn, then your options are limited. But saying that you need to understand ... Read More »

    Will My Credit Report Ever Get Updated From the Hess Kennedy Debt Settlement Mess? – Josh

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    “Dear Steve, So 5 years ago we hired Hess Kennedy, as you know, nothing was done. Now there appears to be a settlement, but our credit report is not updated and never has been. What do I do? The website for the receiver is now shut down. Also, am I going to get my settlement from them? Josh”   Dear ... Read More »

      I’m Trying to Get Rid of Medical Debts. – Kim

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      “Dear Steve, Hi, I recently been trying to raise my credit score. I have fair credit; my issue is getting rid of medical bills that’s my main issue. iI am 41 yo and my debt is $7,000 in 95% being medical. Can you help me sort this out? Thank You. Kim”   Dear Kim, The best way to tackle the ... Read More »

        I Am a College Grad With Debt and Working With Debt RX. Should I? – Luke

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        “Dear Steve, I am a college grad, with 3 credit cards totalling around $18,000 of debt. I enrolled with Debt RX in March/April of 2009 and have still not settled with any of the cards. They have been good about answering my phone calls and responding to emails, but don’t know if this usually takes this long. I am still ... Read More »

          University of Michigan Graduate Needs Some Student Loan Help. – Kristi

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          “Dear Steve, I am 23 years old, and have recently graduated from UM with a BA. Unfortunately, I’ve also graduated with $110,000 in student loan debt, $20,000 of which is federally-backed. It’s the other $90,000 in private student loans that have got me backed into a corner: From what I can tell, I have no options as far as repayment ... Read More »

            We Are Underemployed And Stuck in a Million Dollar Home. – ConfusedSD

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            ConfusedSD “Dear Steve, In 2005 my wife and I were both working and bought a house. The original value of the house was $1mm+, we put over $250k down, and we were both making more than $250k combined. In 2007 we both lost our jobs and were unable to find employment that paid as well as our last jobs. Last ... Read More »

              How To Get Bank To Reduce Interest On Personal Loan – Jena

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              “Dear Steve, I have a personal loan with BofA and it’s somewhere at 23%. I’ve been trying since i got it to have the APR lowered but keep getting excuses as to why they wont. Now i’ve lost my job and can’t afford the payments. When I called BofA once again they said they couldn’t lower the APR to help ... Read More »

                I Can’t Find a Debt Consolidation options for My TERI Student Loans. – Amanda

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                “Dear Steve, I have the current dilemma regarding my student loans. When I first went to college I had to get a loan as soon as possible in order to stay in the dorms, so without proper research, I ended up applying for a $40, 000 private loan through Teri. A year later once realty set in my head that ... Read More »

                  Shane is Out of Work, Out of Money and Out of Time

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                  Shane “Dear Steve, I lost job January 3, 2008 and now have $30,000 in card debt plus $30,000 in personal loans. Should i use debt settlemant company? I know bankruptcy is bad. Shane”   Dear Shane, While you want to shed your debt, I don’t think there is any reasonable expectation that you would be able to do that via ... Read More »

                    Cashout 401k and Then Reimburse? – Roger

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                    “Dear Steve, Cut back in hours at work. Hard to keep up with the bills. Now have to do something! Why not cash out or take a paritical cashout. Could you not pay off high intrest loans or credit cards. The money you would save intrest would save money. Then increase what you were putting in your 401. No? Roger” ... Read More »

                      I’ve Been Called Back to Active Duty in the Army. What Do I Do About My Car Payment and Bank Loans? – Larry

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                      Larry “Dear Steve, I have been called back to active duty. I do not make as much on active duty as I did on the civilian side. I am currently selling my house but even with it gone I don’t make enough to pay my car note and my bank loans. How do I fix this without bankrupcy or repositions? ... Read More »

                        My Husband and I Have Made so Many Bad Decisions it has Led Us Into Serious Debt. – Lisa

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                        I apologize in advance for the short response. I am currently away on vacation with limited internet but wanted to give you an answer as soon as possible. Steve “Dear Steve, My husband and i have made so many bad desicions it has led us into serious debt. Our house is morgaged up to max leaving no equity ay all. ... Read More »

                          I’m Frantic and Don’t Know Where to Turn – Karen

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                          “Dear Steve, I’m frantic and don’t know where to turn. My husband of 20+ years informed me recently that he hasn’t been generating income through his business, so he has been taking out cash advances on credit cards, running up lines of credit on our home and other rental property, and depleted all his 401(k) accounts. He’s done all this ... Read More »

                            I Have More Questions About Langhorne Debt Solutions. – LeAnna

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                            Le “Dear Steve, I was looking up background on Langhorne Debt Solutions and saw Lacy’s question. I have a big debt with online payday loans and have contracted with Langhorne Debt Solutions. They seem legit. Bankruptcy is not an option for me. They instructed me to close my account and reopen a new one, which I did. How will this ... Read More »

                              We Had Excellent Credit But Now We Live Month-To-Month. – Jen

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                              “Dear Steve, We are a young family of four. My husband nets $890 per week. Our mortgage is $362 every week. ($196,000 @ 5.5% 30 year fixed) I do not work but stay home with two little ones… daycare costs prohibit me working. We are swimming in credit card debt. A total of $17,193 from 5 cards with monthly minimums ... Read More »

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