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Ask The Get Out of Debt Experts

My Husband Walked Out on Me and Left Me Disabled and in Debt. – Maggie

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“Dear Steve, Divorced, disable on Social Security, 61 yrs. old. My husband walked out on me in 2005 after taking every dime of security I had worked for all my life. I have a refurbished trailor I purchased by mortgaged property I received after my mother’s death in 2003. I had two credit cards at the time of my husbands ... Read More »

    Should We Payoff the House, Make Improvements, or Neither? – Nare

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    “Dear Steve, My wife and I would like to make about $60 K worth of improvements to our house. The problem is, the house right now (with improvements over time that we’ve made) is already worth $11 K less than the maximum selling price it would fetch on the current market. We don’t necessarily improve just to meet market demands ... Read More »

      Debt Settlement and Student Loans. Will My Student Loan Lender Negotiate With Me And Reduce What I Owe? – Alexandria

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      “Dear Steve, Long story short: i have student debt from the mid-late 1980’s. after graduating, i ended up working in careers that helped people, but not myself (financially!). i deferred and defaulted, but finally consolidated and got back on track. i only borrowed $25000, but after all this time (and many years of payments) i owe $60000. this is really ... Read More »

        The Credit Exchange Introduced Me to Allegro Law. What Do I Do Now? – Ashley

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        Ashley “Dear Steve, I set up with Allegro Law through what i now know was a marketing tool The Credit Exchange. When I spoke with the credit exchange they told me they had millions of customers and specialized in my situation. I am a single mother who is losing her home since my fiance left and I did not want ... Read More »

          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 »

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