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Ask The Get Out of Debt Experts

I Am Mentally and Physically Disabled and Can’t Pay My Student Loans or Bills. – Callie

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“Dear Steve, I am currently disabled due to both mental and physical ailments. These problems have been exacerbated by chronic unemployment (and therefore poor medical treatment) over the past six years. Now, I couldn’t even work if anyone did offer me a job. I receive state assistance because I am medically unable to work. I get $339 a month. I ... Read More »

    Is There a Student Bankruptcy Option? – Zen

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    “Dear Steve, I owe about 22K school loan, 7K in credit card, and a $230 phone bill. I only make roughly $1800/month . I don’t have car payments, I have rent which takes about half of what I make then the rest is for food, gas, and child support. The whole situation has gotten out of hand, and I’m so ... Read More »

      Is There Something I Can Do to Prepare For Not Paying My Bills? – Nancy

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      “Hi Steve, My husband and I owe about $50,000 in credit cards, loans, and vehicle debts. We moved back to USA about 4 years ago after living many years out of the country. We arrived with no money, and 3 kids in tow, so most of our debt was accumulated by just trying to provide the basic needs to our ... Read More »

        I Was in an Accident on a Military Base and Owe the Military Hospital $15,000. – Priscilla

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        Priscilla “Dear Steve, I’ve always workd ed but about 3 years ago I lost my job and been struggling financially. I’ve worked dead end jobs since then but can ‘t seem to get out of the rut I’m in. About 3 years ago I was involved in a accident (personal) I was taken to a hospital on a military base, ... Read More »

          Sally Provides More Information. Follow-Up.

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          “Dear Steve, Dear Steve, Thank-You for your last response. (See original question Are the S Corp and LLC Debts Debts Going to Cause Us to Lose Our Home? – Sally) I think I didn’t explain enough which led you to think I was or we were not being responsible. First off, my husband ran his business very successfully for almost ... Read More »

            My Wife and I Are Thinking of Using No More Mortgage Program by Larry Ruff. – Thomas

            “Dear Steve, My wife and I have been in credit counseling for awhile and seem to be making little progress. Recentlywe have been checking out NO MORE MORTAGE AND AFTER JUST TALKING TO THEM WE HAVE SECURED DEBT OF 175,000 AND UNSECURED DEBT OF 70,000,AND DESPERATELY NEED HELP AND ADVICE ON OUR NEXT MOVE. PLEASE GIVE US YOUR OPINION ON ... Read More »

              Should I Wait to File Bankruptcy Until My Credit Score Reaches a Certain Point? – Jennifer

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              “Dear Steve, I am considering filing for Chapter 7 bankruptcy. I have $20,000 in credit card debt from a business that I worked for, which went under without repaying any of the money they owed me. I don’t want to file for bankruptcy, but my monthly income is all taken up with basic necessities, and I have one of the ... Read More »

                I Can’t Afford to Eat or Take My Medications. What Am I Going to Do? – Mickey

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                Mickey “Dear Steve, I am 61yrs old, have been on disability since 1995. I am on Medicare, Part D plan but I was denied supplemental insurance because it took SS 2yrs to approve my disability and I was told I had to apply within 6 months of applying for disability. SS told me there was no plan in place to ... Read More »

                  I Want to Get My Credit Card Debt Deferred Until I Graduate And Then Pay It Off Slowly. – Alex

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                  “Dear Steve, Hi, so im a senior as an undergrad in california, i ran my credit card for 4,500 dollars and i also owe money to my organization 2,500 dollars. not including the two medical bills i have each for 100 dollars. I get paid 8 dollars an hour with a job i just started, and ive take 2 unpaid ... Read More »

                    I Racked Up Private and Government Student Loans. – Jessica

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                    “Dear Steve, I went to graduate school when I was 35 and racked up both govt and private loans. My private loans were okay around 350/month for the first two years, now they are $572/month. This is very hard for me to pay right now but it seems there is no solution or answer. I teach part time as an ... Read More »

                      I Bought a House in Michigan and Lost My Job. – Jason

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                      “Dear Steve, My wife and I bought a house in 2006 in Michigan. Shortly thereafter, the company I worked for began to fail, and I was forced to get a new job. For my new job, I took over a 70% pay cut. We used my 401k savings to make ends meet initially, sold our vehicles and replaced them with ... Read More »

                        I Was Medically Retired from the U.S. Navy and Can’t Pay My Bills. – Floyd

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                        “Dear Steve, I was medically retired from the U. S. Navy in November of 2007 after a crippling back injury at the age of 34 (I am 36 now). After living in Virginia Beach for 6 months, and tapping my savings account every month to make ends meet, I opted to just move overseas where I can actually afford to ... Read More »

                          I’m a College Student in Dubai and Got a Credit Card From Campus Salesman for Emirates Bank. – Isaac

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                          “Dear Steve, Had been studying in dubai for over 4 years. One evening right outside my college I see a number of Emirates Bank Salesman giving away Applications forms for a Student Credit card. All they needed was a passport copy and I had a credit card with a spending limit of 3000 Dhs… I Had that CC for about ... Read More »

                            I’ve Been Stupid With My Debt. I’m Unemployed and Living in the UK. – Sarah

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                            “Dear Steve, I have been stupid i have about 10 debts all together i owe o2, voda, 3, loyds tsb, NatWest, capital 1, and 3 pay day loans of the internet i just don’t want the debt collectors to come to my home, im very worried IM ONLY 20 AND IM IN 10,000 POUNDS WORTH OF DEPT How do i ... Read More »

                              Can You Direct Me To a Legit Debt Settlement Company? – Barby

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                              Barby “Dear Steve, Hey Steve, My husband and I just bought a house and then (of course) I lost my job (salary of $38,000). While I am currently out job searching, I am using my half of the savings to pay my half of the bills. My husband pays the mortgage/utilities/phone/etc. & my responsibilities are gas/groceries/debt. I am paying about ... Read More »

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