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Ask The Get Out of Debt Experts

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 »

                  We’ve Been Struggling Below Poverty With Collection Agencies Chasing Us. – Dina

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                  “Dear Steve, ‘ve been a single parent for the last 19 years of two children who receives SSI and my daughter’s survivor death benefit as our family’s sole source of income for the last 5 years. Before that it was welfare and FS only. I was not always able on my limited income (below poverty level) to make ends meet ... Read More »

                    Freedom Debt Told Me Not to Speak to My Creditor. – Karen

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                    “Dear Steve, I owe $26,000 in unsecured credit card debt, plus $6,000 in medical bills from 2008 and 2009. 6 months ago, I turned the $26,000 over to Freedom Debt. Of course, they are taking their fee out first, they have negotiated and settled one $1,700 account for about half. The last payment goes out to that creditor November 5. ... Read More »

                      Florida Attorney General Wants Debt Settlement Companies to Put Up Before You Pay Up

                      Florida Attorney General Bill McCollum today announced that he has co-sponsored a letter to the Federal Trade Commission (FTC), asking it to amend a federal rule that would require debt relief service companies to provide services before collecting any fees. The letter was also sponsored by the Attorneys General of Illinois, Maryland, and Washington. Debt relief is an umbrella term ... Read More »

                        40 States Band Together to Regulate Debt Settlement Companies

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                        The attorneys general of Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Guam, Hawaii, Idaho, Illinois, Iowa, Kansas, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Vermont, Washington, West Virginia and Wyoming have written to the Federal Trade ... Read More »

                          I’m In a World of Hurt With Our Credit Thanks to Bank of America. – Sandy

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                          “Dear Steve, I am in a world of hurt with our credit although we have never missed any payments and have always remained current however it is becoming harder and harder to continue on. Total unsecured debt is near 90,000. We have been living check to check for years. Credit card companies have lowered our credit limits and hurting our ... Read More »

                            My Husband is Disabled, the Medical Bills are Growing, and I Feel Like a Low-life for Considering Bankruptcy. – Tracy

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                            “Dear Steve, I work full time and my husband is disabled. We have unsecured debt of approximately $50,000 not including my student loans which are about $10,000. My husbands medical bills and increased cost of living have driven us deeper and deeper into debt over the last few years. I manage to keep all of our bills paid on time ... Read More »

                              I Need Advice About And My Situation. – Shannon

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                              “Dear Steve, I am almost 24 years old. My salary is $30,000. I have a school loan which is almost $31,000 and I have the payments according to salary, which I have to reapply for each year and am currently set to pay about $77/month so I can pay more on my credit cards. I have about $25,000 total of ... Read More »

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