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Ask The Get Out of Debt Experts

We Pay Large School Tuitions Right Now and Having Problems Paying Our Bills. – Adam

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Adam “Dear Steve, We’re currently have about $85,000 in unsecured debt. Also have two school tuitions. Right now, we both have 700+ credit scores and are current. We are considering 4 options. 1) Debt Management Progam – the problem is the payments are higher than our budget allows. 2) Debt Settlement – I’ve read all about it and still don’t ... Read More »

    I’m 33, Just Married, and Drowning in Debt. – Sean

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    “Dear Steve, I am 33 years old and just married in August of 2008. My wife and I bought a home last September but I was laid off in February of this year. So now I have a $1200 mortgage, $300 car payment, and tons of credit card bills which I cannot pay. I recently started a temporary position which ... Read More »

      Should We Put the House in My Husbands Name So He Can Go Bankrupt On It? – Barbara

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      Barbara “Dear Steve, I bought my home in 1999 and have two mortgages. The 2nd mortgage was in 2005 for home improvements. I was married a year ago and my husband and I were both laid off, he is Dec. 08 and I in March 09. Currently the 2nd mortgage is headed for foreclosure, the payment is $260.00 but was ... Read More »

        I’m Thinking of Using Debtmerica Relief. What Are the Ramifications? – Joseph

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        “Dear Steve, I am on ssi and va disability without a job and no assets. I am 6 months behind on 5 cc for a total of $10,000. I want to pay them when I start to earn money. If I wait to pay then use Debt America, what will be the ramifications credit wise, legally and any other long ... Read More »

          Should I Be Worried About First Consumer Debt Consolidation? – Misti

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          “Dear Steve, Current customer with Allegro law firm. I am concerned about the information I’ve seen on this site regarding this firm and Keith Nelms. I currently pay 59.00 monthly fee to First consumer debt consolidation, I guess this is the third party they have given the info to. Should I be concerned with the posts about him losing his ... Read More »

            My Car Was Picked Up By The Repo Man. What Happens Next? – Michelle

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            Michelle “Dear Steve, I was laid off last Fall, and have been unable to find work (not even part-time). I fell behind in my car payments and am no longer able to afford the car. The finance company repo’d the car without notice, and will not talk to me about what I am supposed to do next. Am I just ... Read More »

              I Have Tried to Lower My Student Loan Payment Without Luck. – Scott

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              “Dear Steve, I graduated from college with a ton of debt. From AES: Loan1 = $23,977.76 Loan2 = $35,285.42 Loan3 = $40,775.22 From Sallie Mae: Loan1 = $2,664.58 Loan2 = $3,552.73 Loan3 = $5,567.47 My income is $42,000 / year. I have tried to lower payments through AES, but according to the representative, they have made it much tougher to ... Read More »

                I Have a Police Case Against Me For Non-Payment of Debt in Dubai. – Abhu

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                Abhu “Dear Steve, My question is that i need help. I am based in Dubai and without a job since over 3 months and was the only bread earner of my family way back in Mumbai, India. I am in debts since had taken a loan and credit cards. It is around 1,10,000 AED but dont know how much in ... Read More »

                  What Do You Think of Everest Debt Solutions? – Margo

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                  Margo “Dear Steve, I enrolled in debt settlement program with Allegro last February. I am aware of the troubles with Allegro, and the change to a receivership. I tried contacting Allegro and the receivership to find out what was going on with my account, if any crediors had been paid, and get some answers to my questions and could not ... Read More »

                    If I Go to Jail in Dubai For Bad Debts Will My Debt Be Cleared? – Katrina

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                    Katrina “Dear Steve, I’m still one of the lucky employees here in Dubai who has their job right now. But I’m stuck with bad debt for my credit card and loan. My current salary is not enough to pay my dues,even how hard i try to budget it… I have plans before to just leave UAE, and back to my ... Read More »

                      We Received a Big Settlement Check and Want to Pay Off All Our Debts. – Rebecca

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                      “Dear Steve, We have received money from a settlement that was won. The money is enough to pay off all our debts, with the exception of student loans. We are paying off all our credit cards and car loans. Between me and my husband, we have 12 open credit accounts and 2 car payments. We have been very fortunate to ... Read More »

                        I Make Too Much Money to Go Bankrupt So What About Debt Settlement? – Jerry

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                        “Dear Steve, Married with 3 young kids, have a house (in home for 13 years), home equity, care lease and loan, and about 150K in unsecured credit card debt. Employed making $130K a year but cant’ keep up with the minimums. I’m reviewing debt settlement companies and looking for a reputable one. I found Consumer Recovery Network and they seemed ... Read More »

                          I Am 52 And Not Worked in Five Years. Creditors Are Chasing Me. – Lora

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                          Lora “Dear Steve, I am 52 and have not worked since 2004. Our company was dissolved. I have $14,900 in debt to one credit card CHASE. I am in debt collections now. I have 3 other credit cards that are current. The CHASE card is 6 mos past due as I can NOT afford to pay $390 a month! We ... Read More »

                            Who Can I Sue to Get Me Out of This Debt Settlement Mess? – Tim

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                            “Dear Steve, I acquired a debt of over $15,000 dollars trying to help my sister who was going through a very tough divorce with no income being supplied. When I couldn’t seem to get the overall bill down because the money I was paying back was all being eaten up with interest each year I responded to the tv ad ... Read More »

                              We Consolidated Our Debt But Right Back in the Same Spot Again. – Melissa

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                              “Dear Steve, Two years ago we refinanced our house to pay off some debt and get rid of our ARM loan, but we were stupid and now are in the same position with credit card debt. Would it be smart to refinance to try to get a lower payment? I keep getting things in the mail saying “You can lower ... Read More »

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