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Ask The Get Out of Debt Experts

Collections Sued But I Didn’t Go to Hearing. What Now? – Sara

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“Dear Steve, Couldn’t pay full payments for 2 credit cards. They went to collections. Collections sued but I didnt go to hearing. They sent a form asking my bank account info and income information. What do I do now? Sara” I asked my friend Mike Killian to answer your question for you. I wanted to make sure you got an ... Read More »

    I Have a Zombie Debt. I Paid a Debt Off That They Want to Collect On Again. – Dawne

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    Dawne “Dear Steve, I was contacted recently about a debt that I had three years ago. I paid some on it according to the debt collector but I thought I had paid all of it because for the past three years I have not had any contact from them at all. I saw something about statue of limitations and was ... Read More »

      Can You Help Me Find a Debt Consolidation Company That Will Work With Me? – Scott

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      “Dear Steve, I am about $8000 in credit card debt and behind on payments. My interest rates went through the roof and I just cant seem to get ahead on the payments. This all started as a result of two job layoffs and backed up unemployment benefits. I now have a steady job but dont make the money I was ... Read More »

        I Owe Capital One $55,000 And Have Not Paid in 8 Months. – Dawn

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        “Dear Steve, I owe $5,500 to Capital one. I have not paid in 8 months and it went to collection. They said they are going to sue me. I dont have the money to pay on this for another few months. What do I do? Hi, I am 24 and I have a credit card with Capital one which I ... Read More »

          My Husband is a Trucker in the Trucking Industry And Deep In Debt. – Tanya

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          “Dear Steve, Hello. I have been married for 3 years to a wonderful man. He recently sold the business he owned for 9 years. Over those 9 years he accumulated around $30,000 worth of credit card debt! We own a home and care together, both financed in both of our names. I have very little credit card debt (less than ... Read More »

            Tonrita Is About to Get Her Car Repossessed

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            Tonrita “Dear Steve, I’m behind $2,600 in car payment need to catch up but the money is just not there. Paying off a lot of other bills right now but need a car to get back and forth to work. If i could just get the money to catch up i could keep up the payment now since my husband ... Read More »

              Can I Rent Out Some Rooms in My New Home With an FHA Mortgage? – JJ

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              “Dear Steve, Purchased home under an FHA loan. Will be inspected to see if I am a primary resident in a month and a half. If this is my primary residence, am I also allowed to rent out a couple of the rooms? JJ”   Dear JJ, Well you want to be very careful that you don’t do anything to ... Read More »

                Novadebt, Garden State Consumer Credit Counseling, Taking Over My Allegro Law Debt. – Anna

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                “Dear Steve, I signed up with Allegro Law earlier in the year. I have been following the comments and I am in the same boat obviously as everyone else. I have stopped sending payments to Allegro because they haven’t paid any of my creditors. Yesterday, a rep from Allegro called and left a message saying that have not received payments ... Read More »

                  Some Old Debts Just Resurfaced on My Credit Report. – Carrie

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                  “Dear Steve, Several years ago (6-8 years) I accumulated approximately $25,000 of debt and no reasonable way to pay it back after a divorce. I dodged the creditors and collection agencies-but never had the means to pay anything to any of them. (I lived in subsidized housing,received food stamp benefits and was qualified for rehab services for my hearing loss, ... Read More »

                    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 »

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