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Ask The Get Out of Debt Experts

We Were Turned Down By – Natasha

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“Dear Steve, I am married with two young children. We moved in with my mother with the hopes of purchasing a home to take advantage of the first time homebuyers credit. Once we were told that the requirements of the FHA were changed and we needed more down payment, we decided to put the house off. Now, we are doing ... Read More »

    I’m Already in a Bankruptcy and Can’t Afford My Payments. Will I Have to Give My Car Back? – Dawn

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    “Dear Steve, I filed a chapter 13 in 2007, while receiving Long term disability and child support. Since then my child support has stopped due to non payment. My payments have been decreased but I still can’t afford the payments, my income is only $1,133 a month. I have a 2005 Chevy equinox in good condition with 94,000 miles. My ... Read More »

      Will My UK Creditors Hunt Me Down? – David

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      “Dear Steve, i have £16000 GBP in consumer loans or credit card debt, i am unemployed and have no way of paying the total sum back to the crediters who are MBNA Capital one, vanquis and Santander zero credit cards and one loan from the Santander Bank all of which is based in the U.K , I sold my house ... Read More »

        My Ex-Wife is Claiming Bankruptcy For Some Debt I Am Responsible For. – Steve

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        “Dear Steve, My ex-wife is claiming bankruptcy and she has some debt that I am a co-signer on. I do good to get by with the debt that I have myself. I can not afford to take on her debt (about another $200 a month). Should I consider bankruptcy myself? I fear if i do not i will lose my ... Read More »

          I Screwed Up and Lost Most of Our Retirement Income. – Rufus

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          “Dear Steve, I screwed up. I made investments and lost most of our retirement income. I am also out of work. I am working as a handyman but not making much money. I am however, interviewing for a better job. My wife is hostile and can’t seem to get over that I messed up. I am making my payments (nothing ... Read More »

            I Moved Back in With My Ex-Wife to Help Her Make the Mortgage Payments. – Ron

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            “Dear Steve, My ex-wife has a HELOC with Chase for $80,000 on a home we co-own with a current mortgage of $150,000 which we have never been late on in 10 years. After I moved out she was out of work for several months and was not able to keep up both payments and has made no payments on the ... Read More »

              Will My Car Get Repoed if I Take it to the Dealer for Service? – Mike

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              “Dear Steve, I fell way behind on my car payment, I am on unemployment, and now my car needs to be fixed and it has to go to the dealership to get fixed. It might get repo’d if they realize its so far behind. If they do take the car, I know will be responsible for the amount still owed, ... Read More »

                My Husband Can’t Find a Job. – Elizabeth

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                “Dear Steve, My husband has been laid off and is not able to find a job and believe me he’s looked everywhere. He had the greater income to where we could pay all our bills with just his paychech now its just my income which is half of all our bills combined. I have been considering letting go of some ... Read More »

                  Why Won’t Credit Cards Settle With Me But Will Settle With a Debt Settlement Company?

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                  A questions I get asked from time-to-time is “Why won’t credit cards settle with me but will settle with a debt settlement company?” Good question. And while some settlement company may proclaim it is their contacts or wonderful talent, it is often just luck. I asked Michael Bovee of the Consumer Recovery Network to provide you with some insight into ... Read More »

                    I Haven’t Paid Any Bills And Don’t Know Where to Start. – Hippy

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                    “Dear Steve, So I haven’t paid any of my outstanding bills for some time now. I know that I owe $5,000 in credit debt and I had hip surgery and a severe car accident in the last two years. I have debt everywhere and have no idea where to start. Where should I start and who do I go to ... Read More »

                      We Can’t Afford Our Bankruptcy Payment Anymore But Want to Keep Our House. – Tymiee

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                      “Dear Steve, My husband and I filed Chpt 13 bankruptcy a year and a half ago, to save our house, our cars, and an irs debt that we were dumb enough to have happen. We both had jobs, and even though the payment was really high we felt we had no other choice but to file so we would not ... Read More »

                        Where Can I Get a Loan to Pay For Debt Settlements? – Yonaton

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                        “Dear Steve, I am a college student who has over 10 grand in personal credit card debt and I am getting chased by Barclay Card for a DirectTV Rewards Visa and Chase Bank for an Amazon and Amtrack credit card. This week I got a letter from Chase saying they were going to take me to court over the money ... Read More »

                          Everything is a Mess With Navy Federal Credit Union. – Lesley

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                          “Dear Steve, Everything is a mess. Another navy federal question. I owe over 18 thousand to NFCU and around 7 thousand to other credit cards, My husband owes around 20 thousand to credit cards 6 of that is to NFCU. My husband has ended up in a nursing home. He has only retirement income. We have a medicaid trust set ... Read More »

                            Kansas Statute of Limitations Question. – KansasDebt78

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                            “Dear Steve, I am currently working on fixing my credit….now I am finding some hiccups My question is fairly simple. I have been back and forth with a well known junk debt buyer. My defense is easy…..SOL has expired. The key problem I am having here is proving that this credit card is indeed considered under the TILA an “open ... Read More »

                              What Options Should We Consider to Avoid Foreclosure? – Joshua

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                              “Dear Steve, 210,000 mortgage – 196,000 owed 4 months behind, foreclosure has not yet started but may within a month or so KS provides 120 days for the foreclosure process 15-20k unsecured credit debt/medical bills My wife has 18k in student loan debt 2 cars, not behind on and I’m not certain how much equity really is in them but ... Read More »

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