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Ask The Get Out of Debt Experts

My Mortgage Was Discharged in My Bankruptcy But I Still Pay It. – Rae

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Rae “Dear Steve, My mortgage was discharged in my bankruptcy proceedings in December, 2005. I have continued to pay on my mortgage per the credit agreement. I have two questions: Is there a way I can get my mortgage to start reporting to the credit agencies because I am paying on it even though it was discharged? My budget is ... Read More »

    My IVA Has Failed And I’m At The End of My Rope and Considering Death. – Charlie

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    Charlie “Dear Steve, I had an IVA for 2 years -now failed due to I cannot afford the repayment in the first place anyway, my income was manipulated by my supervisor so that I can get through the IVA petition. Manage to keep it going for 2 years by borrowinf from pot a to pay pot b, so on and ... Read More »

      John Has Questions After Reading My Book “Eliminate Your Debt Like a Pro”

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      “Dear Steve, I read your on line free book about eliminating credit card debt like a pro-I wish I read it earlier–i contacted a debt management company in 5/09 and began paying 800+/mo and quit paying my creditors at their direction after being current up to that point. I am becoming disillusioned with the program as they will not begin ... Read More »

        I’m With Allegro Law But on Disability and Being Sued. What Should I Do? – Myra & Grace

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        Myra & Grace I don’t think I’ve ever combined two questions together before but since these are so similar in recommendation I thought I would. “Dear Steve, I am with Allegro Law since Nov and they have been taking $363.00 out of my checking account since then, now They tell me about the lawsuit n telling me a receiver taking ... Read More »

          Would It Be Better to Go Bankrupt Now Or Plug Along. – Ann

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          “Dear Steve, $47500 in credit card debt, $1000 monthy mortgage, $1000 monthly vehicle payments, then of course insurances, utilities, and general living expenses Squeezing by we are making it month to month, paycheck to paycheck, still occassionally using the credit cards when things come up – no savings outside of retirement. Unsucessfully searched for more gainful employment over the past ... Read More »

            We Want to Start Paying Back Old Debt From Six Years Ago. – Jen

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            Jen “Dear Steve, Well we are young (24)married, and make good money, also live above our means a bit. depending on where you live this may sound high to you, but we make 70k a year, and about 4-7k per month varying. well it wasnt always this way, back when we were 18 my hubby got a truck re-posessed and ... Read More »

              I Used to Live in the U.S. and Have Some Old Debt But I Now Live in Australia. – Max

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              Max “Dear Steve, I am 25000. usd in credit card debt . I don’t live in the states anymore . i live in australia . i am australian but have a green card . i want to pay it back but i am currently unemployed and i have no plans to go back to the states . what should i ... Read More »

                I Came to Aussie Last Year and Can’t Afford My Mobile Phone. – Johnny

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                Johnny “Dear Steve, I came to aussie in december last year and i got on a mobile phone contract i lost my job and i cannot pay it anymore. My phone got cut and they are threatening to report me to dun and bradstreet. I got a new job but i get very little and they are asking for a ... Read More »

                  I’ve Ignored My Debt for a Long Time and I’m Not Sure How to Proceed. – Brian

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                  Brian “Dear Steve, I had about $47K in credit card debt and then lost my job and was sick and in a hospital. I was planning on filing bk, but due to the knew bk laws, I was unable to file bankruptcy. I was out of a job for about a year, and used any income I made to live ... Read More »

                    I Just Signed Up For the Allegro Law Debt Settlement Program That Was Closed Down. What Do I Do Now? – June

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                    June “Dear Steve, Considering the recent news about “Allegro Law” how would you advise someone who is in their debt settlement program? We just signed up for a 4 year program in March 2009 and have sent them $2400. Should we stop the bank draft and notify Allegro we want out. June” The Answer   Dear June, If it is ... Read More »

                      Should My Husband Cash in His 401K to Buy Some Cars? – Kris

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                      Kris “Dear Steve, My husband worked for a company that filed bankruptcy. He got another job and has 401k with them now puttin in the max. He received a letter the other day telling him he had to do something with his 401k from the previous job. We just bought a house, I lost my job and we both have ... Read More »

                        How Can I Get My Discover Home Loan Rate Lowered? – Glen

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                        Glen “Dear Steve, Work in Construction and only working 25-35 hours a week, girlfriend left me who payed half of home loan, first mortgage is $1035 a month includes taxes and pmi, 30 year fixed at 5.9%. I am fine with that. Home equity loan by Discover Home Loans remains $23,600 and 13 1/2 years left on it. Fixed rate ... Read More »

                          Bounced Mortgage Check and My Dad’s Back Credit. – Mary

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                          “Dear Steve, My father and his brother got a loan to purchase a house for their mother about 12 years ago through BOA. Apparently, back in April of this year my dads brother wrote the April mortage check for the payment and it bounced. The next month my dad writes the May mortgage payment and so and so on. Well ... Read More »

                            I Feel Mentally and Physically Sick About Our Debt. – TamaraJane

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                            Tamara “Dear Steve, I feel sick about this debt and it’s taking it’s toll mentally and physically! My husband & I are in huge credit card debt ($83,000) due to some tax issues and his unemployment for more than a year. We currently rent a home, but just before my husband lost his job we purchased a small cabin and ... Read More »

                              I Owe on a Cell Phone Bill for Downloads That Are Not Mine. – L

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                              L “Dear Steve, There is an outstanding cell phone bill from more than 6 years ago that the phone co kept adding download charges to for a phone number that had been terminated by us. We tried to have the situation resolved and even offered to pay only what we knew we owed if they took the other charges off ... Read More »

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