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Ask The Get Out of Debt Experts

What’s the Best Way to Keep Our Credit But Reduce Our Debt Payments? – Susan

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“Dear Steve, My husband was laid off and now receives unemployment; he is 51years old, with the rate of unemployment and his age it’s a lot harder to find another job. In addition, we live in a small town so the closest jobs available (if any) are over an hour away. He is in the electrical trade and was a ... Read More »

    How Do I Get Out of Debt Without a Huge Credit Card Payment Every Month? – Allison

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    Allison “Dear Steve, I have too many bills and don’t make enough money. I have $12,000 dollars in credit card debt, if eliminated or reduced, I’d be able to afford to live. I am married with two children. How do I get out of debt without a huge credit card payment every month? Allison”   Dear Allison, Bankruptcy. Click here ... Read More »

      We Have Four Kids, My Wife Works Two Days a Week, And I Don’t Know if I Should Pay the Bills? – Scott

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      Scott “Dear Steve, $28,000 in debt on credit cards and medical. Wife works 2 days a week and does not bring in a significant portion of income to help. Have 4 children in house (2 of ours, 3 and 1 years old) and 2 step children (my wife’s)). My oldest step-child is pregnant and due in October. My income covers ... Read More »

        Anne Has $25,000 of Credit Card Debt And Making Just Minimum Payments But She Wants to Get Out of Debt

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        “Dear Steve, I am in credit card debt for $25k. I am making the minimum payments on each card, but it’s killing me. Should I focus on paying more on one card at a time and ignore the others? And then continue on the next card and so on? Or should I just continue to make the minimum payments even ... Read More »

          I Am 90 Days Late on Two Credit Cards. A Debt Management Plan Company Said They Could Not Help Me. – Jennifer

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          “Dear Steve, I have two outstanding credit cards that have not been paid in over 90days. I tried to go through a debt management and found out that two of them they really could not do anything with. Now I am trying to make arrangements to just make payments on both cards but I am told they need a big ... Read More »

            Mehdi is Looking For Credit Card Debt Help to Help Pay Debt

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            Mehdi “Dear Steve, I’m about $90,000 in credit card debt and can’t afford to pay them. I’m willing to pay what I can but the economy has really hurt my business. What can I do to lower my monthly payments significantly? Mehdi”   Dear Mehdi, Sadly the reality is that you just simply might not be able to afford to ... Read More »

              I Left an Abusive and Controlling Husband and Now I’m Drowning in Debt. – Lynn

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              “Dear Steve, I left an abusive/ controlling husband a few years ago with literally not a penny to my name. Because of shady practices on my ex’s part and a lawyer who did not serve me well, I ended up $5000 in debt right from the start with legal bills and a poor settlement. In spite of working overtime as ... Read More »

                Can The Creditors Come After My Car? – David

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                “Dear Steve, I live in CA $60K unsecured debt, 10K in student loans, 25K owed on car. student loans and car are paid up to date, unsecured debt hasnt received a payment in about a year and a half. I am about to let my car go because I cant afford the payment anymore and plan to buy a car ... Read More »

                  I Filed Bankruptcy and Now Need to Get My Student Loans and Credit Score Rehabilitated. – David

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                  “Dear Steve, First off, I’d like to say thanks for your site. Your answers to other people’s questions has really helped me plan my own bankruptcy recovery (monitor my reports, use a secured credit card to help reestablish credit). However, there’s one thing that I haven’t seen come up, so I’d like to ask: student loans. I’m sure everyone who ... Read More »

                    Separated From My Wife And Left With $70K of Credit Card Debt. – Bob

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                    “Dear Steve, Due to a separation from my wife, I am now saddled with $70,000 + OF CREDIT CARD DEBT. One of the cards has just jumped to 29.99% interest. I am up to date with the bills, using money from A house sale, about to run out. I make approx. $30,00 a year and now rent and pay out ... Read More »

                      I’ve Thought About Killing Myself to Get Out of Debt. – Doug

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                      Doug “Dear Steve, We have mostly lived pretty well but never have had any savings so when something happens or we want to do anything the answer has been to put it on a credit card. So we have cards at or close to limits we have two kids in college with student loans and we messed up on our ... Read More »

                        I Can Pay Off My Loan But Need to Use Some Cash From My Savings Account. Should I? – Sulian

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                        Sulian “Dear Steve, I have this 19% personal loan with a payoff of $816.00 I’ve been paying for the last 4 1/2 years. I am so ready to pay it off I can feel it. I bring home about $1220 a month after taxes from work and about $2,200 in a savings account. The minimum payment is $150.33 and they ... Read More »

                          I Was Thinking of Taking Your Advice and Filing for Bankruptcy. – Miss M

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                          “Dear Steve, I was thinking of taking your advice and filing for bankruptcy. Of course, I’d like to apply to buy a house, especially during this time when the housing market is down (Good for us buyers but bad for current owners). Also, I expect to get my clearance background cleared and updated (I had a re-open investigation when I ... Read More »

                            Citibank Just Raised My Rate to 29.99% and I Can’t Afford That. – Jon

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                            Jon “Dear Steve, I filed bankruptcy in 2003 and have allowed myself to get into credit card debt once again. This time is not nearly as bad, but it still isn’t good either. It totals nearly $20k and I received a notice from Citibank stating that they are raising my interest rates to 29.99%. There is no way I can ... Read More »

                              Will I Be Allowed to Leave Dubai Even Though I Owe Money? – June

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                              “Dear Steve, I’m working on an engineering consultancy as autocad draftsman, im already 2 years but til now, our company didn’t got any new projects for the whole years. I got another job in Saudi Riyadh and theyre still waiting for my report and ready to start anytime.so i planning to file resignation and going back to my home country ... Read More »

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