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Ask The Get Out of Debt Experts

My Wife is Thinking of Divorcing Me So She Can Keep The House. – Brian

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Brian “Dear Steve, I am currently out of work. My wife is employed and we are upside down on a mortgage that is in my name alone. Her income is not enough to pay the bills without dipping into our savings. This could possibly run our savings down to nothing and then we lose the house. • We have enough ... Read More »

    I’m Making Payments Through The Court But Now Getting My Pay Garnished. – Brandy

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    Brandy “Dear Steve, This is my situation, I took out a christmas with the intentions to pay it back. I quite did not get much back form my taxes and was not able to pay it right back. The owner filed small suit on mine and my husband’s behalf, and the only thing that I can do is pay on ... Read More »

      We Make Too Much Money and Have Too Much Debt. I Want to Raid My 401(k). – Paul

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      “Dear Steve, My wife and I have a tremendous amount of debt. We make a lot of money by most standards, and that makes bankruptcy virtually impossible. Our credit card debt alone is more than 50% of our yearly income ($130,000 in credit card debt, plus $60K in student loans, plus $370K in mortgage debt, on $240K of yearly income). ... Read More »

        My Husband Lost His Job as a Minister. I Drive a School Bus. – Rose

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        Rose “Dear Steve, I am employed as a school bus driver. My husband was a minister until losing his job and consistent annual income 3yrs ago. He quickly went into Real Estate at precisely the wrong time. Since that didn’t work out so well and put us in the poor house, he has started a new carpet cleaning business that ... Read More »

          I’m Waiting For My Mortgage Modification to Be Reviewed by Bank of America. – Noel

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          Noel “Dear Steve, I am an officer for the State of California, and lost 15% $1,100 of my income and it’s caused a hardship because we can’t afford our payment now. It was tough anyway, but after that it’s became impossible. We’ve sent in all the information you advised and a check for what we can afford to pay Bank ... Read More »

            How Can I Get Out of My Agreement With The Credit Exchange? – Stephanie

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            Stephanie “Dear Steve, Signed up with The Credit Exchange but creditors still harrassing. I have tried to contact agent for 2 weeks but no response. Luckily It has only been one month and one payment made but want to get out of agreement and try to work with creditors. I have been laid off since January and still looking for ... Read More »

              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


                          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 »

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