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Ask The Get Out of Debt Experts

The Bankruptcy Means Test and Limits are Not Fair. – Colette

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“Dear Steve, Family of 4, one income family with debt that we want to clear up Filed chapter 13 Nov. 17th. We are a 4 person household with one person working. We have no problem paying our debt back but the monthly amount is so high that we are trying to figure out how to pay our monthly bills and ... Read More »

    I Don’t Want My Wife to Lose Her Car. I Think We Both Need to Go Bankrupt. – Andrew

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    “Dear Steve, I have about $45,000 in credit card debt. I would like to negotiate with my creditors to take smaller payments, but one card is garnishing nearly $600 a month so I have nothing to offer the other creditors that are calling and calling. What should I do? Bankruptcy is an option and I did see a lawyer, but ... Read More »

      I’m Drowning in Debt in New Zealand and South Africa. – Drowning

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      “Dear Steve, 50yr female, 2weeks back in South Africa; 2years out of SA; made redundant few mths after obtaining work+work permit in NZ; unable to obtain work+renew work permit; borrowed money in SA to go + borrowed in NZ for airfare back home. Job hunting now; pennyless; no possessions; living off relative. Suffers from Osterich Syndrome; did not inform creditors ... Read More »

        I Was Thinking About Bankruptcy. Would This Have An Effect On My Loan Modification? – Tim

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        “Dear Steve, I have worked in auto sales for the last ten years and things have really gone down hill over the last few years. I was just let go at the begging of Feb. and have been collecting unemployment. I’m two payments behind on my mortgage and have a huge amount of credit card debt and unsecured loan debt. ... Read More »

          I’m Being Sued by Zwicker & Associates for Amex. – Mick

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          “Dear Steve, I am being sued by Zwicker & associates There first contact with me was a summons. They claim to be representing AMEX, But I believe that they are A Debt collector. I have sent in an answer to the summons to the court and to them,but they say that they do not have to answer my questions and ... Read More »

            I Have An OK Credit Score But Can’t Get a Credit Card. – Chris

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            “Dear Steve, I am graduating from college this semester with an Associates of Science in Communication. I have no credit card debt but have roughly $50,000 in student loan debt, due to out of state tuition costs and loss of a job I had. I have a job as a NJCAA sports broadcaster at a community college and make about ... Read More »

              An Old Zombie Debt Has Resurfaced. What Should I Do? – Greg

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              “Dear Steve, I have a zombie debt from 1997 that a company is calling about now. It was from a large retailer and while I’m pretty sure it was paid (Only a couple hundred dollars) I won’t swear to it, it’s just too far back to be sure of. Texas law says soL has ran out (4 yrs). I can ... Read More »

                Bankruptcy Is Not the Honest Christian Way to Solve Problem? – Kristen

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                “Dear Steve, We have aprx. $80,000 in unsecured debt. We are a family of seven. My husband, myself and our 5 children. We are drowning. I was making the min. payment on the credit cards until they started charging obscene interest rates. I have recently fallen behind – or – well refused to pay them their min. payment. I was ... Read More »

                  How Much For How Long Would a Settlement Hurt My Credit Score? – Leanne

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                  “Dear Steve, I have credit card debt on one card of $18,000. They are willing to settle with me through their settlement dept. for $10,800. I am only making the minimum payments on this account. My credit score is in the 7 hundreds and I don’t want to do much damage because I would like to buy a house in ... Read More »

                    $25,000 at 19.99% Interest- What Can I do? – Elisabeth

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                    “Dear Steve, When I previously left my previous employer I took a Bank of America Loan out for 25,000 to pay off all of my credit cards so that i could get 1 payment. My understanding was that it was a loan at 5.5% in 2006 as it turned out the rate was 19.99%~ Now it is 29 months later ... Read More »

                      I’m a Disabled Veteran And Being Chased by My Creditors. – Disabled

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                      “Dear Steve, I’m a disabled vet living off my va disability comp and social sec disability. I am in a serious bind i became disabled in 2005 and i lost everyting i have been faced with collection agencies calling me to pay off the debt for my car that i had to turn in they did take 6 months to ... Read More »

                        We Are Flat Broke And Need to Drain Our 401(k). – Susan

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                        “Dear Steve, Currently collecting unemployment after being laid off from my job back in Feb 2009. It is exactly enough to pay my rent. My husband’s income is mostly from tips and some side jobs he does. We have very poor credit and our utilities are behind and have no savings. We have 2 children, one of which is in ... Read More »

                          Chris Has Bad Credit. I Show Him How to Easily Get Good Credit.


                          “Dear Steve, I’m 35, new dad, have a terrible credit score(in the 400s), want to improve my score for a better quality of life, and most of my debts are 8 years and older. I want to find specific information on how to remove old debts from my credit report. (ex. To whom do I write my letters? What should ... Read More »

                            My Brother is Being Sued by American Express. What Can He Do About It? – Ryan

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                            “Dear Steve, My brother is being sued by American Express. He had a card with them and had about 2 to 3 K of dept on the card. Then he lost his job and got a divorce. He has note been able to make payments or pay it off. As he has no income. What can he do about his. ... Read More »

                              What Do I Do to Consolidate Bills? Mary

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                              “Dear Steve, Need help with consolidating bills. What do I have to do in order to start this process? Mary” I asked my friend Mike Killian to answer your question for you. I wanted to make sure you got an answer as quickly as possible as I’m a bit backed up at the moment. I’ll be watching the comments on ... Read More »

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