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Ask The Get Out of Debt Experts

How Can I Get an Old Default Judgment Vacated?

closeup of a gavel on cash, from above

“Dear Steve, Hi Steve: 10 years ago discover card got a default judgment against me, as I failed to reply there summon. Then on January 28 2013, a collection firm send me a summon with a complain behalf of Discover Card with a 20 days date range to reply with their summon, I mailed them a letter in response to ... Read More »

    Will My Mom Paying for Me to Go on a Vacation Hurt My Chances of Filing Bankruptcy? – Dave

    IMG_4149

    “Dear Steve, Situation * I will be filing Chapter 7 bankruptcy. Most likely this will be filed by my attorney next week. I have a large amount of credit card debt and can no longer even make the minimum payments on them. My daughter will be graduating high school in June and I will be turning 50 yrs old. As ... Read More »

      My Unborn Child Died and I’ve Lost Two Jobs. – Mary

      Just a cow picture to make you feel happy thoughts. Mooo!

      “Dear Steve, Two Job losses,1 death of an unborn child, medical issues and one birth has left me in abandoned credit card accounts but I continued paying on my car from my unemployment payments which recent has also been exhausted. My husband also recently relocated from the UK and has not been able to find a job. Yesterday I received ... Read More »

        American Indians Won’t Stop Calling to Collect on My Payday Loan. – Cameron

        Possible native American debt collectors.

        “Dear Steve, I made the huge mistake of taking out an online payday loan 3 years ago. The company is owned by an Indian tribe in the U.S. and is located on tribal land. I defaulted. Still can’t pay it as my income is very limited due to disability. After they started collections, using their in-house staff, I sent a ... Read More »

          I Want to Kill Myself Because of My Student Loans. I Dream of Dying.

          change 3

          “Dear Steve, I have seen that there are others who have posted that they have contemplated suicide in order to get out of student loan debt and I can tell you that they aren’t alone. I was laid off twice since I graduated and I can’t afford to pay my loans back. I couldn’t even if I found a job. ... Read More »

            We Can Just Make Our Minimum Payments and Have Good Credit But Need Help. – Becky

            couple working

            “Dear Steve, My husband and I are in our late 30’s with 2 sons. We have $22k in debt, $10k personal loan and $12k credit cards. We make the minimum payments each month as that is all we can do and our credit scores are above 750. I look at all of the snowball theories and paying highest interest first ... Read More »

              Everest Institute Did Not Help Me Get a Job in Medical Billing and Coding. – Ashley

              Student Loan Corkboard Concept

              “Dear Steve, I went to Bryman Institute in 2007 for medical billing and coding. While I was there they changed the name to Everest Institute which was a red flag to me but I was already in the program for a while so there wasn’t much for me to do. I successfully completed the program and got a job at ... Read More »

                My Ex-Husband and I Consolidated Our Student Loans. I’m Still Paying. – Marie

                Divorce

                “Dear Steve, My ex-husband and I consolidated our student loans back in 2004. In our divorce in 2012, I am required to pay on the joint loans for 10 years then in reverts to him. He is currently paying individual loans of ours. He makes considerably more than I do (about $45,000/yr and I’m around $25,000/yr) and I am unable ... Read More »

                  I’m 62 Years Old and Saving Hard for Retirement. What About Our Other Debt? – Michael

                  retirement

                  “Dear Steve, I am 62 yo, wife is 61 yo. Our combined stats: -We have $27k in credit card debt (0% interest, due to finding 12-18 month 0% promotional rates), -$200k home mortgage using a 5/5 arm at 2.75% which amounts to a $1000/month P&I payment–our property tax in NJ is $1000/month, -$400k in retirement savings–401k, ira, annuities mostly in ... Read More »

                    My Friend Asked the Collection Company to Validate a Debt But They Are Still Contacting Them. – Edward

                    404 error

                    “Dear Steve, A friend of mine told me that after an 8+ year association with a cell phone carrier, when changing to another carrier, the prior said she owes @ $500.00. When contacting the carrier, she was told there was a change on her account in 2012 that made a “new agreement.” But this “change” could not be verified. Shortly ... Read More »

                      We Can’t Sell Our Car Without a Smog Certification. – Ashley

                      car broken

                      “Dear Steve, Looking for some advice on an upside down car. My hubby and I have a 2004 honda crv. the car is actually “technically” paid off, we have the pink slip, however we have a regular loan through our credit union with a payment of $341/month and a total balance of $8,000. So its not a car loan, but ... Read More »

                        Is There a Better Tool to Get Out of Debt Than the Debt Snowball? – Ginger

                        change5

                        “Dear Steve, I am 58, my husband 61. We presently have about $20000.00 in credit card debt. We are never late and have excellent credit so using a credit counseling agency is not a option. We are no longer using our credit card and are paying cash. That has been hard but we know what we needed to do. We ... Read More »

                          Account Corp is Collecting a Debt From Me But Can’t Clarify the Balance Due. – John

                          calculator

                          “Dear Steve, Debt with R.C.Willey ,that due to emergency health situation ,it went to Acct Corp of Nevada as collection. Per Account Corp principal of debt was $8,881.48 , Contractual collection fees of $2,960.49 of which RCWilley has reduced to $2,018.52.contracual interest of $5,230.78 which there client R.C.Willy has agreed to reduce to 0. I have R.C.Willy’s transaction history on ... Read More »

                            Should I Get a Charge Off Removed From My Credit Report? – Defanso

                            credit good

                            “Dear Steve, My overall credit goes from fair to good depending on the credit agency, scores 686, 704, 708. For the past 2 years my payment history listed as 99.99% on time. I’ve paid off all of my credit card debt to $0, Only having my student loan & my mortgage outstanding. Only thing I see that is holding my ... Read More »

                              Nobody Can Tell Me Where My Money Went When the Johnson Law Group Went Out of Business. – Ashley

                              hiding

                              “Dear Steve, I was a client of the Johnson Law Group (Jonathan Rufus) 2009-end of 2010 early 2011. I had consolidated my credit card debt. They managed to pay off all but the ONE BIG ONE. They took out $400 from me monthly for 18months and never paid off the big one I asked them to negotiate. I now.. have ... Read More »

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