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Ask The Get Out of Debt Experts

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 »

                        I’m a College Student and I Feel Suicidal Because of My Debt. – Calvin

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                        Calvin “Dear Steve, I am a college student with severe chronic depression. The illness has been so debilitating that I have gone from being a dean’s list student to entering the second term of my fifth year of undergraduate school. Unfortunately, this situation has forced me to take on $41,000 in student loans. I can’t afford health insurance and even ... Read More »

                          How Can I Get Inquiries Off My Credit Report? – Chris

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                          “Dear Steve, I am purchasing a house for the first time. My credit report says there are too many inquires. My mortgage broker says some don’t belong to them. I also have one delinquent payment on my car, (over 30 days). How do I remove the excess inquires from my credit report? Chris”   Dear Chris, There are three types ... Read More »

                            We’ve Taken a Cut in Pay And Can’t Afford Our Chapter 13 Bankruptcy Payment. – Carrie

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                            Carrie “Dear Steve, My husband and I filed Chapter 13 bankruptcy in December of 2008. At the time of filing we made a combined total of $64,000 annually. Our total debt is $237,000 ($200,000 in student loans and $37,000 in credit card debt) and our trustee would not allow us to pay our student loans directly along with a smaller ... Read More »

                              Should I Use My Money in the Bank to Pay Down My Credit Card? – Jenn

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                              Jenn “Dear Steve, I have been out of college for 3 years. I have 26,000 student loan debt with low interest rates 1-4%, 6000 in credt card debt with 9% interest. I’m struggleing with if its better to have a savings accont or to pay down my debt. i currently have a savings account, but I dont know if I ... Read More »

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