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Ask The Get Out of Debt Experts

I Want to Clean Up My Credit But I Live Overseas Now. – John

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“Dear Steve, I ran into work trouble a few years ago and neglected to keep up with most all of my debts. Most have been bounced around from collection agency to collection agency and to some law firms. I am now where I can start paying off some of these debts, the biggest problem is I now live overseas and ... Read More »

    I Am A College Student With Good Credit and Bad Debt. – Matt

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    Matt “Dear Steve, I am a college student and currently have 10,000 in credit card debt. I have been able to make the min payments for them but have not made much progress. I am getting married in a year and a half and really dont want to have credit card debt. I applied for a loan to consolidate all ... Read More »

      Should My Boyfriend Face Up to His Debts and Sell His House? – Jan

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      “Dear Steve, Hi – I am 48; I have no debt; I own my home with less than $80,000 left on the mortgage and I pay 1-2 extra payments each year; no credit card dept -I pay ithem both off each month; no car payments; low income ($1500 pm) but I am working on a masters so I hope that ... Read More »

        My Chevrolet Aveo is Broken and I Might Have to Let The Bank Take It. – Gary

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        Gary “Dear Steve, Well, my current situation goes like this…..I bought a used 2004 Chevrolet aveo and have had it for about 3 years. The recommended service for a timing belt change came at 60,000 miles. I had 63,000 miles on the car when it broke. the car is not covered under any warranty. my mechanic said it’s going to ... Read More »

          Two of My Credit Card Companies Have Doubled My Payment. – Pam

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          “Dear Steve, Two of my credit cards have decided to more than double my payment and I cannot afford the payments. I am current and in good standing at this time but I know I cannot pay these amounts. The company I was employed with closed on March 20, 2009 , so I am now unemployed. I have always done ... Read More »

            Where Can I Get a Consolidation Loan to Pay Off My Motorcycle? – Andrew

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            Andrew “Dear Steve, I have a motorcycle i bought in 06 and i haven’t been able to pay on it for almost a year now. I am about to be sued for the balance i am in default on the loan and it has gone from the credit card company to a collection agencey. Can i get a consolidation loan ... Read More »

              DirectBuy Sent Me to Collections With Beta Finance for a Membership I Can’t Afford Since I Lost My Job. – Rosie

              directbuy

              Rosie “Dear Steve, I acquired an account with Direct Buy. I was making enough money and thought that i could someday use this, a short week later I lost one of my jobs and my income was cut in half. I never used the direct buy account it’s like a wholesale place to buy merchandise later at a lesser price ... Read More »

                CCCS of Greater Atlanta Said They Can’t Help Me. – Wanda

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                Wanda “Dear Steve, My husband and I are retired on a Gross Yrly income of $43,452. Our unsecured debts are over $94K. I ran all my information through CCCS Atlanta online counseling. They said I couldn’t do the Debt Management Plan because my income was to low. My net worth is a little over $69K. We have no cash savings; ... Read More »

                  Can They Garnish My Husbands Wages for My Student Loans? – Liz

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                  Liz “Dear Steve, Went back to school and do to high risk pregnancy did not finish so I have student loans and I owe the school as well. My husband makes minimum wage and I only work about 20hr a wk at minimum as well. I received a call from a collections office and was told that if I did ... Read More »

                    Bank of America is Dragging Their Feet on My Loan Modification and Citibank is Suing Me. – Angela

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                    “Dear Steve, I have been trying to work out a loan modification with my lender Bank of America for several months now. Bank of America granted me a 3 month forbearance to allow me to repair my home from Hurricane Ike damages. During that time, they asked me if I wanted to attempt a loan modification. I said, yes that ... Read More »

                      My Ex-Husband Said He’d Pay My Student Loans in Our Divorce. But He’s Not. – Amanda

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                      “Dear Steve, My ex husband and I consolidated our student loans. I had $2,000 in loans, he had $97,000. We divorced in 2007. In the divorce, he got the student loans. I was held harmless (or some such term and released from them). Unfortunately, he is not paying them. He waits until the very last second to file for deferments ... Read More »

                        I’m 21, Permanently Disabled and Trying to Deal With My Credit Cards. – Anna

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                        “Dear Steve, My name is anna I am a 21yr old women trying to get on my feet. I am recently perm. disabled and behind on credit card payments at least 3-6 months. I only recive a monthly income of $570.00. I live with family but have to provide my own food/personal items. I have no bank account (since the ... Read More »

                          How Should I List My Past Due Taxes on My Chapter 13 Bankruptcy Filing? – David

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                          “Dear Steve, I live in California, I was married and my wife and I got into severe ($80,000+)debt and($50,000+) tax trouble. We filed for Chapter 13 in 2004 and erased the debt but left the taxes with the plan of filing Chapter 13. That never happened. We were separated then and finally got divorced in 2009. I remaried in 2009. ... Read More »

                            Will I Be Turned Down for a Corporate American Express Card? – Beverly

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                            Beverly “Dear Steve, I have been out of work for 6 mos. and am a single mom. I just got another job! They want to get me a corporate american express but I’m afraid I’ll get turned down, they’ll find out about my credit and I’ll NOT have a job. This company is well established and had been in business ... Read More »

                              I’m Taking Mirapex for My Parkinson’s And It’s Made Me Gamble and Compulsively Shop. – Betty

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                              Betty “Dear Steve, I get $729 a month from SS. That is my only income. I have never been so undisciplined in my life as the last 7 years with each year getting worse. I am on mirapex for my Parkinsons and even though I know shopping, and gambling are 2 of the many problems associated with this drug I ... Read More »

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