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Ask The Get Out of Debt Experts

The Cash Store Won’t Help Me to Break The Loan Cycle. – Cindy

CFSA Extended payment Plan EPP

“Dear Steve, I currently have an installment loan with The Cash Store and due to recent home repairs am no longer able to meet this obligation. The balance owed is $830 and I’ve been paying $369 every 2 weeks. I called them prior to my next due date to inform them that I am no longer able to pay and ... Read More »

    I’ve Been on the Care One Debt Management Program For Two Years. I’m on Disability. – Laurel

    Ready to Collapse

    Laurel “Dear Steve, I’ve been enrolled in Care One debt management program for over two years for 4 credit cards which all are over $1400.00 I am on Permanant disability and live in New York. I am getting to the point where I don’t know how long I can stick out this situation as its a toss up between food, ... Read More »

      My Son Was Stationed in Iraq And I Took Out a Credit Card in His Name That I Can’t Pay. – Veronica

      Ready to Collapse

      Veronica “Dear Steve, My son was stationed in Iraq a few years ago, and I had power of attorney. I took out a credit card in his name, with the intentions of establishing credit for him when he got out. Due to unforeseen circumstances, the debt remains unpaid, and my son is stuck with the bill. All I want is ... Read More »

        Steve Writes In “I Want to Cash Out My 401(k) And Pay Off Debt.”

        Ready to Collapse

        Steve wrote me through the GetOutOfDebt.org site to ask his question below. You can too! “Dear Steve, I currently make $46,000.00 per year with no benefits. My wife’s income is $19,800.00 per year. Three years ago her income was $35,000.00 per year. We have racked up about $20,000.00 in credit card debt and have a car loan of which the ... Read More »

          I Feel So Stupid For Being So in Debt. – Chivon

          Ready to Collapse

          “Dear Steve, Here I am 21 years old and finding myself in a huge mess. I am roughly about 10,000 dollars in debt. At such an early age I feel like a moron. About five thousand of it is from bank accounts that i let go so deep in the negative its unreal and a credit card with a five ... Read More »

            Should I Use My Tax Refund to Pay Off My Credit Card Debt? – Cassandra

            Ready to Collapse

            “Dear Steve, I’m a 39 year old single-mom of two, who makes about $30,000/yr. I currently have credit card debt of about $7800. No savings. No 401K. I usually get a tax refund of around $4000. So, my question is, do I pay off as many credit cards as I can with the refund or do I bring the balances ... Read More »

              Where Can I Get a List of All the Medical Bills I Owe? – S

              Ready to Collapse

              S “Dear Steve, I know I have a lot of old medical bills, but I admit that I have not been very organized and no longer have copies of the bills. I am trying now to pay off all debts. Is there a website or place I can contact to get a complete list of all the medical bills that ... Read More »

                Is Money Management International a Legitimate Debt Consolidation Company? – Jim

                Ready to Collapse

                “Dear Steve, I have $70,000 in credit card debt, irregular income, paying for son’s college education, current with all my creditors so no calls to date Is money management international legitimate? i have communicated with a few debt colsolidation companies, have read all sorts of complaints on various blogs of these firms, as they did not deliver what they stated. ... Read More »

                  My Mother Buried Three Kids on Credit. – Theresa

                  Ready to Collapse

                  “Dear Steve, My mother is being sued by Chase Bank. She’s 80 Jan. 2010, works full time 7.78hr-14 yrs. same employment dishwasher. Raised 5 kids, buried 3 on her credit. Did get small ssa from dead dad 1894-1965 (so he didn’t pay much in) No public asssistance i.e. food stamps, welfare. Just worked & payed bills her entire life. She ... Read More »

                    I’m Getting Divorced and Can’t Afford My Bills. – Kate

                    Ready to Collapse

                    “Dear Steve, I am currently in the middle of getting divorced, and have about $23,000 in credit card debt and $30,000 in student loans. I currently can not afford all the debt payments as well as household expenses and my soon to be ex-husband is a stay at home dad who has been unable to find work. I had contacted ... Read More »

                      I’ve Been Living Off My Credit Cards for a While. – Tai

                      Ready to Collapse

                      “Dear Steve, I am a married woman 27 years old. I have a two year old daughter and I am on a fixed income. I am considered disabled by the state in which I reside and receive $642 per month from SSA and SSI combined. My husband is not working and does not contribute to household cost as he did ... Read More »

                        Should I File Bankruptcy. We Are Hanging By a Thread. – Kellie

                        Ready to Collapse

                        “Dear Steve, Husband and i both lost our jobs and we are hanging by a thread with child support and unemployment. My question is we have about 1300 a month in income and about 3000 a month in bills with credit cards mortgage lights food etc. that dies not include the 1000 of dollars in medical bills we have, my ... Read More »

                          Dave Burke and His Real Talk Network Were Supposed to Help Us But Sent Us to Collections. – Kelly

                          Ready to Collapse

                          “Dear Steve, I have read 2 articles by you about people trying to do business with this company and getting sent to collections. This happened to us also. We were not contacted by RTN, just sent immediately to a collection agency. They refused my husband’s calls and the collection agency representative even told us that we shouldn’t do business with ... Read More »

                            How Do I Get The Phone to Stop Ringing With Debt Collectors? – Renee

                            Ready to Collapse

                            URGENT QUESTION! Renee “Dear Steve, My husband and I have both been unemployed since the first of November. We have two small children, two mortgages (total exceeds current market value), and several unsecured debts (nearly $20000). We are currently unable to even pay minimums. The mortgage company will begin foreclosure if we don’t pay them $1500 within the week. We ... Read More »

                              How Do I Pay My Credit Card Bills and Still Have Money for Day-to-Day Expenses? – Maria

                              Ready to Collapse

                              “Dear Steve, I am a teacher. I have enough for mortgage and bills but not for credit card payments anymore and I am going crazy with debt. I was paying my minimum payments on credit cards but then was left with no money left over for day to day expenses so I would use the little amount available on the ... Read More »

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