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Ask The Get Out of Debt Experts

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.

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    “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 »

          We Own Two Homes. Should We Try to Get a Loan Modification Instead of Refinancing? – Esty

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          “Dear Steve, We own two homes. One is our permanent primary residence in TN. The other is our smaller previous residence in (here it comes…) Florida. Yes, Florida. Yay. We bought in 2005 with a 5/1 ARM. We have until May 2010 to refinance that first 5 year ARM. We have had tenants there this year who will move out ... Read More »

            Credit Card Company Put Someone Else’s Name On My Account- Help – Heather

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            “Dear Steve, Discrepencies on credit report and credit card mess. Question The cc company accidentally put someone elses name on myaccount. I couldn’t have access to the account while they investigated and when the reopened it there were tons of late fees and penelties. It was not my fault. Someone opened a lot of credit using my info, need help ... Read More »

              Deceased Spouse Left $33,000 Worth of Credit Card Debt. What Can I Do? – Judy

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              “Dear Steve, My husband passed away rhe end of 2008. I had been iill in 2007 and was not working. Other than the horrible fact he died, I did not know we were in financial trouble. Two days after he died, I opened mail I had never seen and found out he had been carrying close to $30,000 in credit ... Read More »

                What Can I Do With the Payday Loan Vicious Cycle? – Dodie

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                “Dear Steve, Payday loan overload. I am broke and getting worse every payday. I am in the vicious cycle of payday loans and i am delinquent on some and they are threatening me with garnishments and employer contact. I can not seem to get out of this debt cycle and it takes all my paycheck to pay interest that I ... Read More »

                  I Need an Honest and Straightforward Answer. – Andra

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                  “Dear Steve, Three years ago my husband and I moved back to Los Angeles for me to pursue my dream of owning my own clothing business (with a partner). We sold our home in 2003 and make 200K. Moved to Colorado bought a bigger house for 380K disliked CO sold it for the same amount, moved to NV bought a ... Read More »

                    Unemployed, Pregnant, and Can’t Afford the Payments – Erin

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                    “Dear Steve, Unemployed, pregnant, and cant afford the payments demanded by the debt collectors. I am trying to make the demanded payments by the debt collectors, with out defaulting on my car payment, insurance, and medical bills. Do I have to send the collection agency the payment they are demanding, or can I send what little I can afford without ... Read More »

                      What Do You Think of the Dave Burke Real Talk System of Eliminating Debt? – Stan

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                      “Dear Steve, I am a very underemployed real estate broker of 35 years. Have you heard of Dave Burke and Real Talk and his secret system of paying off debt for only $1997? Stan”   Dear Stan, I had not heard of Dave Burke or his Real Talk show or the $1997 price for some magic debt elimination scheme. First, ... Read More »

                        I Let a Friend Borrow 13,000 Dirhams and I Want it Back Before He Leaves the Country. – Sarah

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                        “Dear Steve, hi, i lend a money to my friend for like 6 months that reach about 13,000 dirhams. a few weeks ago i heard that he is going to have his annual vacation. that makes me a bot worried. coz there are rumors that he might not come back after his leave. so i talked to him and asked ... Read More »

                          Creditor Jurisdiction Overseas – Jonny

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                          “Dear Steve, Moved overseas to New Zealand a couple years ago. Went overseas with about $8000USD in credit card debt. I’ve tried to pay it off but a couple “life accidents” with employers have left me at about the same amount. I’m setled in the South Pacific and have no intention of returning to the US to live. I had ... Read More »

                            Is There a Way to Get Out of Debt for Free? – Steve

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                            “Dear Steve, I was unemployed for 7 months in 2007 and moved to Texas for employment, The company shut down the project in Novemeber of 2007 then fired 35 people in January of 08. During this time My wife lived in New Jersey and never came to Houston and filed for divorce. I never thought that New Jersey would award ... Read More »

                              Can I Refinance My Car or Consolidate All Debt? – Rose

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                              “Dear Steve, I have about $45K worth of debt. I have four credit cards with balances of $500 each. I have IRS debt of $1600 and $3000 balance on Best buy card. And a $38K auto loan. Truthfully, its the auto loan that is killing me. I pay 13% interest. SO now my loan is upside down. its higher then ... Read More »

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