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Ask The Get Out of Debt Experts

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”   Dear June, If it is possible to ... 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 »

                    I Have Worked in UAE Dubai, a GCC Country, and left With Unpaid Debts. I Now Live in India. – Andrew

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                    Andrew “Dear Steve, I have worked in UAE -Dubai ( GCC Country) for 5 yrs and i have bank debts (Credit cards and personal loans and car loans) in that country and i came back to India without paying them back. Basically i am from India. What can i do other than this if i don’t have a job. Its ... Read More »

                      We Need a Break in Interest From Our Credit Cards. – David

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                      “Dear Steve, We have almost $200,000 in credit card debt. Although we are current on payments, we now have a health situation that may not allow us to continue making our payments. My wife and I make a good income ($220,000 per year), but we need relief – primarily interest relief from the cards. We want to get out of ... Read More »

                        Dude, I Am Totally Freaking Out Over My Debt! – Margaret

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                        Margaret “Dear Steve, Help! We need serious advice! My husband and I have combined CC debt of almost $50,000. We have never been late on payments, but that is all about to change because we are about to hit rock bottom. In a year we have both watched our credit card scores fall from 748 and 720 each by almost ... Read More »

                          My Wife is Sick and I Can Barely Pay The Regular Bills. – Joe

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                          “Dear Steve, I owe credit card companies for about $45.000. My wife is sick(can’t work and can’t get disability). What I make barely enough to pay my regular bills(power, water etc.).I was paying them always on time, but my situation is out of hands now with their interest rates and stuff. Can they garnish my wages in Florida? If they ... Read More »

                            I Filed Chapter 7 Bankruptcy But I’m Scared What I Will Face. – Lee

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                            “Dear Steve, I racked up lots of credit card debt going through college and graduate school. I have always been able to make miniumum payments and still had good credit. I now have $60,000 in credit card debt, $30,000 in school loans, and I had just bought a new car two years ago. I don’t make very much money so ... Read More »

                              I Left Dubai and My Mercedes at the Airport to Avoid Going to Jail for Debt. – Christopher

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                              Christopher “Dear Steve, I guess my situation is nothing new. I got caught up in the economic meltdown. I was in Dubai for 2.5 years and had a very good job. As my job went out of business I got fired. I had several credit cards and a large personal loan. I did not intend on stealing anything from anyone. ... Read More »

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