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Ask The Get Out of Debt Experts

Georgia Payday Lenders Are Illegal. How Do I Get My Money Back? – James

Debtstar

“Dear Steve, I have discovered the online payday lenders are not licensed to loan money to Georgia residents. Therefore, all online payday loans are considered illegal in Georgia. However some Georgia residents received loans because the companies stated they were sovereign entities. However the State attorney office of Georgia states it is still illegal. Some of these companies were instructed ... Read More »

    Is Home Remedy Center a Scam? – Thomas

    Salesman

    “Dear Steve, Im trying to get my mortgage modified ANSI got something from home remedy center and they said they can do it. I can not find anything on the web about this “law firm”. Can you help Can you help Thomas” The Answer Dear Thomas, Home Remedy Center just looks like a new mutation of other groups like Remedy ... Read More »

      Should I Sell My Home to Get Out of Debt? – Gloria

      robbery

      “Dear Steve, I am a divorced woman about to turn 60. I am a teacher and make decent money, however, it is taking all of my take home pay to keep everything paid each month. I am not able to put money into my retirement or go see my grandkids. Three years ago I bought a home. At that time ... Read More »

        Will a Land Trust Stop My Property From Getting Foreclosed On?

        money down the drain

        “Dear Steve, I’m falling behind on my mortgages (2 mortgages) since I can’t rent out my rental property for 7 months. My income is not much to keep me upfloat and since there other expenses plus the devastating property taxes I’m really falling behind and having a hard time. The property where I live was refer to foreclosure dept. but ... Read More »

          How Can My Business be Successful and Survive? – Akash

          Drowning swimmer

          “Dear Steve, Had an it company for 7 years , ran into debt over 1 million dollars. 2006-2012 I broke up with girlfriend( she was obsessive and over bearing, it’s a good thingr)…2011. I split with business partner , i handed over company in return for 50% of debt….2012. I can still use the software we built if want to.however ... Read More »

            The Collection Agency Knows I’m Not Responsible But They Keep Trying to Collect. – Jonathan

            Frustration

            “Dear Steve, I have a medical bill thats on collection that doesn’t belong to me. I tried to dispute but the only one of the credit bureau. Its a medical for a doctor, i never been to. When i call the collection agency, they told me its for a yessenia torres, when she took her daughter to the doctor. I ... Read More »

              We Filed Chapter 13 to Save Our House But Can’t Keep Up With Payments. – Jennifer

              Drowning swimmer

              “Dear Steve, My husband filed chapter 13 in Dec 2012 to save our home and we just cannot make the large payments….most of the bankruptcy payment is the house debt. Chase says we now owe $286k and our home is only valued and purchased at $254k. Should we surrender in chapter 13 we are 2 months behind now again? Our ... Read More »

                How Can I Give Away a Property I Don’t Want Anymore? – Lior

                free

                “Dear Steve, I bought a house couple years ago for investment in a very bad area with cash money. I thought then that it will be a good deal. i have only expenses over there, hard to find a good tanent and so. i try to sale this house for a long time but no luck, i am ready to ... Read More »

                  How Can I Get an Old Default Judgment Vacated?

                  closeup of a gavel on cash, from above

                  “Dear Steve, Hi Steve: 10 years ago discover card got a default judgment against me, as I failed to reply there summon. Then on January 28 2013, a collection firm send me a summon with a complain behalf of Discover Card with a 20 days date range to reply with their summon, I mailed them a letter in response to ... Read More »

                    Will My Mom Paying for Me to Go on a Vacation Hurt My Chances of Filing Bankruptcy? – Dave

                    IMG_4149

                    “Dear Steve, Situation * I will be filing Chapter 7 bankruptcy. Most likely this will be filed by my attorney next week. I have a large amount of credit card debt and can no longer even make the minimum payments on them. My daughter will be graduating high school in June and I will be turning 50 yrs old. As ... Read More »

                      My Unborn Child Died and I’ve Lost Two Jobs. – Mary

                      Just a cow picture to make you feel happy thoughts. Mooo!

                      “Dear Steve, Two Job losses,1 death of an unborn child, medical issues and one birth has left me in abandoned credit card accounts but I continued paying on my car from my unemployment payments which recent has also been exhausted. My husband also recently relocated from the UK and has not been able to find a job. Yesterday I received ... Read More »

                        American Indians Won’t Stop Calling to Collect on My Payday Loan. – Cameron

                        Possible native American debt collectors.

                        “Dear Steve, I made the huge mistake of taking out an online payday loan 3 years ago. The company is owned by an Indian tribe in the U.S. and is located on tribal land. I defaulted. Still can’t pay it as my income is very limited due to disability. After they started collections, using their in-house staff, I sent a ... Read More »

                          I Want to Kill Myself Because of My Student Loans. I Dream of Dying.

                          change 3

                          “Dear Steve, I have seen that there are others who have posted that they have contemplated suicide in order to get out of student loan debt and I can tell you that they aren’t alone. I was laid off twice since I graduated and I can’t afford to pay my loans back. I couldn’t even if I found a job. ... Read More »

                            We Can Just Make Our Minimum Payments and Have Good Credit But Need Help. – Becky

                            couple working

                            “Dear Steve, My husband and I are in our late 30’s with 2 sons. We have $22k in debt, $10k personal loan and $12k credit cards. We make the minimum payments each month as that is all we can do and our credit scores are above 750. I look at all of the snowball theories and paying highest interest first ... Read More »

                              Everest Institute Did Not Help Me Get a Job in Medical Billing and Coding. – Ashley

                              Student Loan Corkboard Concept

                              “Dear Steve, I went to Bryman Institute in 2007 for medical billing and coding. While I was there they changed the name to Everest Institute which was a red flag to me but I was already in the program for a while so there wasn’t much for me to do. I successfully completed the program and got a job at ... Read More »

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