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Ask The Get Out of Debt Experts

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”   Dear Fran, ClearOne ... Read More »

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

    Ready to Collapse

    “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

      Ready to Collapse

      “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

        Ready to Collapse

        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

          Ready to Collapse

          “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

            Ready to Collapse

            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

              Ready to Collapse

              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

                Ready to Collapse

                “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

                  Ready to Collapse

                  “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

                    Ready to Collapse

                    “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

                      Ready to Collapse

                      “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 »

                        I’m in a Debt Settlement Program and Getting Sued by My Creditors. – Cathy

                        Ready to Collapse

                        Cathy “Dear Steve, We have been with a debt settlement company for about 4 months and one of the unsecured loan outfits is already trying to sue us for the 85% of the total amount plus attorney fees and late charges included for about $500.00 a month or will garnish or lean or property not worth what we owe. Is ... Read More »

                          Can American Express Sue Me While My Bankruptcy Attorney is Preparing My Case? – Jane

                          Ready to Collapse

                          “Dear Steve, My husband and I had a business that we ended up closing as we got into severe debt. We closed it in 2008 june. We had nearly 180,000 dollars in debt and we took it as a personal loan as well as credit cards. We were paying all our loans and credit cards on hardship programs till august ... Read More »

                            Should I Use My IRA to Pay Off My Debt? – Donald

                            Ready to Collapse

                            “Dear Steve, I have had this thought to reduce our debt and to better manage our finances. It is quite complicated (as I am sure most situations are), so I will do my best to present all the information. My wife and I (we are in our mid 30s) have a credit card with $7k on it and two personal ... Read More »

                              I’m in a Chapter 13 Bankruptcy, Getting Divorced and Trying to Lose My House. – Steve

                              Ready to Collapse

                              “Dear Steve, Filed Chapter 13 only under my name but wife signed agreement to help pay the 13 off. House is now in foreclosure and I want to save my house and I just filed for divorce. She filed Chapter 7 five years ago. My lawyer claims that my Chapter 13 will protect me against the mortgage lenders but my ... Read More »

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