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Ask The Get Out of Debt Experts

Capital One Doesn’t Care I’ve Been a Good Customer for Seven Years and They Are Coming After Me. – Jake

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“Dear Steve, Have capitol one credit card for about 7 years now never late. In Dec 2008 the business where I am working cut my hours and now I am with reduced pay. Wife wasn’t working but now she is only a little more than minimum wage. Was able before to pay bills but now more difficult. Behind on credit ... Read More »

    I’m Being Asked to Pay On a Debt I Paid But Can’t Find the Proof. – Stacey

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    “Dear Steve, I was hospitalized in 2004 and paid out-of-pocket the balance that my insurance did not cover. I payed off and settled all debts at the beginning of 2005 with the hospital. They told me that I was clear and owed nothing else. This was almost 5 yrs ago and have not heard or received anything from them at ... Read More »

      So What About Jesse Neisen and, Should I Go With Him? – Mary

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      “Dear Steve, I have $83K in credit card debt and I am current with payments and have not had a late payment in many years. Regardless of my payment history, my card issuers have all significantly raised the interest rates which is making it difficult to make my payment. I have been communicating with Jesse Neisen ( regarding entering a ... Read More »

        We Are $40,000 in Credit Card Debt and Make Only the Monthly Minimum Payment. – Rachel

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        “Dear Steve, My husband and I are currently about 40,000 in debt. This is not including our mortgage or car payment only credit cards, ect. We only make the monthly minimum payments each month but all of the cards/loans have different interest rates so our payment range from 20 – 362 a month. We are struggling to make ends meet ... Read More »

          I Can Tell Our Kids Are Feeling the Stress of Our Debt. – David

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          “Dear Steve, My wife and I have been unemployed for a year….we own(buying) a home in which we would like to keep along with 1 vehicle.We are working with the mortgage co. and auto co. but there is also a line of credit loan on our house in collections.We are at wits end now with other collections depts. calling every ... Read More »

            I’m Trying to Get a Visa in Dubai But I Owe Money. – Mike

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            “Dear Steve, I came here to Dubai from 5 years , like all the people i was working normally, i had loans ( hsbc, standard ) (personal loans ) and some credit , in January the work closed and i went out my country , i came back in last sep on a visit visa, and now i wanna renew ... Read More »

              I’m in Debt, on Benefits, Have Kids, and Not Much Money. – Alicia

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              “Dear Steve, I am in debt and need help. I have 6300 debt with 10 companies. I am on benefit with two kids and not much money. The debt manager wants 40 of my 100 each month and says it will take me 8 years to pay it off. But is that the best way. I offered everybody 5 to ... Read More »

                Was I Wrong to Co-Sign for a Car for a Friend? – Stewart

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                “Dear Steve, I have co-signed a car for a friend that was once living in toronto now he has moved back to montreal, but he hasn’t been able to make the payments for the car and is often late doing so, he is now caught up with payments but I have been asking him to take me off as a ... Read More »

                  I’ve Been Laid Off Three Times in Three Years. The Bills Are Too Much. – Deb

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                  “Dear Steve, I am 3 times laid off in 3 years. I only have unemployment insurance coming in to support me and this may run out soon. I have no assets at all. I have lost everything in the last 3 years of lay-offs. I rent and own nothing else of value with no savings and am having difficulty finding ... Read More »

                    I Ran Into a Rough Time and Defaulted on All My Credit Cards. – Scott

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                    “Dear Steve, About 6 years ago I ran into very rough times and defaulted on all of my credit cards. They were all charged off and my credit was ruined. I was too afraid to file for bankruptcy and opted to do nothing (foolish me). At any rate, I was sued by one creditor for $17,000 but the judge denied ... Read More »

                      What Do I Tell My Banker? I Don’t Want to Get Into Trouble. – Sharon

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                      “Dear Steve, In 2000-01, I found myself in conflict with my university (in NC where I live) on a policy matter that was never resolved and I had to leave the program. I was left with a lot of consumer debt, over time I have paid off in full or settled nearly all of the debts. However, in 2001, just ... Read More »

                        How Can I Make Sure There is No Travel Ban to Prevent Me Leaving Dubai? – Aftab

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                        “Dear Steve, I have credit cards and personal loans in Dubai and I am paying them in bits and pieces every month. My monthly payments is exceeding my curent income and due to the late payments and back log which I have it is so difficult to get them back in control. I can’t see any solution to this problem ... Read More »

                          I Need to Go Bankrupt in the UK. Can You Help? – Michael

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                          “Dear Steve, Self-employed, no assets. £16000 (UK) in debt and out of work. I would like some help with probably going bankrupt, as it looks like the most sensible solution in my circumstances. I would like to find some help, without falling into one of those debt managment companies. I i really dont know where to start, but when i ... Read More »

                            My Ultimate Goal is to Reduce My Monthly Payments and Get Out of Debt. – Nicole

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                            “Dear Steve, My debt is as follows: $8.5k – Chase Mastercard, $2.6k – Amex, $2.6k – Macy’s Visa, $2.6k – Best Buy, $500 – Discover. I have inerest rates between 21% and 28% on all of the cards due to late payments. Right now I am current on all of the cards but I am only able to make minimum ... Read More »

                              I Missed My Court Date Because My Son Has Autism and I Forgot. – Stephanie

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                              “Dear Steve, I had a summon against me but didnt show up to court because I was served after the court date & it honestly slipped my mind i know you are thinkind how could i forget, but after dealing with my son that has autism i really did forget, eventhough i know that is not an excuse. So now ... Read More »

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