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Ask The Get Out of Debt Experts

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 »

            I’m Deep in Cash Advance Debt on My Credit Cards From Helping My Boyfriend and Family. – Melissa

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            “Dear Steve, $16,000 in credit card debt(8500on one card,7100 on another) the 7100 is mostly cash advances for family needing help now im stuck with the bill 8500 is from when i was in nursing school and from a fiance who thought money grew on trees, the card for 8500 interest rate is being raised to 21.99 percent,due to the ... Read More »

              I Am a College Student With Credit Card Debt. How Do I Hide From the Collectors? – Dora

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              “Dear Steve, I am a 23 year old student who not only has debt from college loans and also credit card debt from last year (on 3 credit cards that have all been closed). I ran up a huge amount of debt in a short time and as of now I am unemployed. I am not able to work cause ... Read More »

                I’m a Realtor and Have Never Missed a Payment, Until Now. – Frank

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                Frank “Dear Steve, I have $59,000 in unsecured debt. My credit history is very good. I have never been late on any payments. I lost my job of 21 years about 5 years ago and started a new career in real-estate. the last year has killed me and I fear that I will miss payments in the near future. I ... Read More »

                  Mark Writes In “I Need to Go Bankrupt in the UK”

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                  Mark wrote in about his financial situation. “Hi Steve, My wife and I need help. Since 2001 we’ve been living in the U.S. and we’ve just got our green cards. We moved to the U.S. from the UK and for years I’ve been struggling to pay back debt there using dollars to pay back British pounds. The conversion rate has ... Read More »

                    Pam Asks “Does a Deferred Student Loan Lower Your Credit Score”

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                    “Dear Steve, I have $40,000 in credit card debt but have never missed a payment.I am trying very hard to make more than the minimum payment. I have a long credit history with no late fees ever. My credit score is about 750. I have 3 kids in college and have outstanding deferred students loans that I have cosigned. I ... Read More »

                      How Do I Get My Foreclosed Home Forgiven? Carl

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                      “Dear Steve, My home was forclosed they did not forgive my debt how do i get it forgiven Carl” 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 this ... Read More »

                        Boilermaker Seasonal Financial Despair and In Super Hot Water – Heidi

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                        “Dear Steve, My husband is a boilermaker which is a feast for famine type of job. By the time we get caught up on basic utilities and rent and car payments, his job ends and if we have been able to save anything its used within the first month to survive we have 4 children and the grocery bill by ... Read More »

                          We Now Live in the UK but We’ve Maxed Out Our Credit Cards in the U.S. – Carol

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                          “Dear Steve, Husband has maxed out lines of credit and credit cards in the states, and we are now living in the UK. Cannot pay the debt load as his income is 1/4 of what it was 2-3 years ago. Are trying to sell 1 or 2 of the 2 houses but very little equity and market is bad. The ... Read More »

                            I Went to a Second-Hand College and I’m Deep in Student Loan Debt. – Amber

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                            Amber “Dear Steve, In 1999 I went to a second-hand school that due to a family situation I was unable to finish. At the time I didn’t realize I was taking on a loan that was double the amount of my schooling. I am now recently unemployed with 3 children and my loan is in default. A company called VanRu ... Read More »

                              My Car Payments and Car Insurance Are Killing Me Financially. – Greg

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                              Greg “Dear Steve, Car payments and car insurance are killing me financially! I don’t know what to do on my car payment anymore? I’m getting financially stressed! Its extremely high and I pay high interest, plus I have another car I owed on and traded it for this new car and what was left on the loan? Was tacked onto ... Read More »

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