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Ask The Get Out of Debt Experts

How Can I Help My Husband Realize That We Need to Save Money? – Valerie

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“Dear Steve, My fiancee and I are getting married in a few days. We have a newborn on the way and are struggling to save up any money to buy furniture for this baby. We both have jobs and will both be keeping them throughout the marriage. However, going into this marriage he doesn’t save any money. He also has ... Read More »

I Was in a Bad Relationship Which Has Left Me in Major Debt. – Cynthia

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“Dear Steve, I was in a bad relationship in which has left me in major debt. I have not been able to keep up with payments, a debt consolidator slipped through a payment in which my checks are now being garnished by 25%. I cannot afford for my debt to take over. I want to be debt free. What are ... Read More »

What Can We Do to Force Chase Bank to Give Us Realistic Repayment Terms? – David

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“Dear Steve, My wife Shantell has two unsecured credit cards from Chase Bank. Her debt on the cards totals about $23,000.00. They are threatening to sue her on January 14 if she does not pay almost $2400 on the largest debt upfront to have the debt removed from the hands of the attorneys so she can deal directly with Chase. ... Read More »

I Have a Mountain of Debt. I Am Being Garnished and Thinking of Suicide. – Stacy

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“Dear Steve, I am in desperate need of help immediately. I have mountain of debt and am being garnished. With the garnishments I can’t pay off the debts or file bankruptcy because I am only left with barely enough to live on. Also, I have severe bipolar disorder. I got most of my debts when I “blacked out” in a ... Read More »

I Just Bought a House And My Soon to Be Husband is Going to File Bankruptcy. – R

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“Dear Steve, I just bought a house, in my name only and will be getting married next month. He is planning on filing bankruptcy due to his ex foreclosing on a house that was in both names. When he does this, will it effect my loans? Can they come after my assets, that I had before getting married? R” Dear ... Read More »

My House Needs a New Roof. – George

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“Hi Steve, Im finally on the right financial track since I am starting to pay off my $20,000 credit card balance since I stopped using the card and am now paying more than the minimum due. Also, I just started contributing to the retirement plan at work as well and also started putting a little in a savings account. Doing ... Read More »

Bank of America Gave Me a Settlement Amount But They Keep Changing It. – Rob

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“Dear Steve, I talked with Bank of America Credit card, they gave me a settlement amount, it was too much for me to pay immediately on the phone as requested. I sent them a check for the amount with a letter stating it was for the agreed amount for settlement etc. They cashed the check but never settled the amount ... Read More »

American Express is Chasing Me in the UK. – Lee

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“Dear Steve, About 8 years ago I moved to London and travelling back one day in a service station i was approachhed by a rep asking me if i was interested so ahead i went 2 weeks later a card appeared.over thenext few months the limit was maxed i was paying the payments then lost my job. I then moved ... Read More »

I’m Recently Married With Credit Card Debt. Can I Get a Personal Debt Consolidation Loan? – Tiffany

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“Dear Steve, I am recently married and have $12,000 in credit card debt. I would like to take out a personal loan with a lower interest rate to get it paid within the next 2 1/2 years…much quicker. My husband is worried that it will affect our credit score and we won’t be able to buy a home after. Would ... Read More »

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

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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

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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.”

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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

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“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

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“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 »

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