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Ask The Get Out of Debt Experts

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


        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 »

                          I Want to Repossess My Brothers Car. – Nicole

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                          Nicole “Dear Steve, My brother needed help with getting a car. So me being the nice sister I am agreed to help, not knowing he was not going to keep any of his jobs figuring a 21 year old does not have to worry about life must be. I gave him numerous chances to redeem himself. Finally I told him ... Read More »

                            I Just Invested in 33 Loans to Help People to Get Out of Debt

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                            Lately I’ve been very impressed with and the peer-to-peer model that they have developed to let individual investors participate in some small way in making loans to other people that need to borrow money. The LendingClub business model allows both borrowers and lenders to skip the banks completely and lend to each other. From the advertising revenue from this ... Read More »

                              How Can I Get Caught Up on Back Payments When I Don’t Make Enough Money to Get By On? – Kenneth

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                              Kenneth “Dear Steve, I filed chapter 7 bankruptcy a little over 2 years ago. I was laid off last December and could not find work for 6 months. I am back working now but am behind in almost all of my payments, most notable child support and owe income taxes from last year. I had to borrow money during this ... Read More »

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