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Ask The Get Out of Debt Experts

I’m a Filipino in Dubai and Scared I Will Have to Leave the Country to Avoid Jail. – Hope

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Hope “Hi Steve, I’m a filipino currently employed here in Dubai. going for 2 years. I have some personal loans & credit cards here in Dubai. Before, everything is fine because overtime is open in our dept. which makes my earnings more adequate to my expenses & i still can manage all my financial obligations. Then the economic crisis affects ... Read More »

    I Own a Home But Can’t Seem to Refinance it to Take Cash Out. – Kathy

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    Kathy “Dear Steve, I own a home and i am at 80% so finding it hard to refinance my home with my current debt. I owe 24,000.00 in debt and dont want to file banckrupcy. i need help and cannot afford to pay for a service and dont know who i can trust Kathy”   Dear Kathy, You picked the ... Read More »

      I’m Thinking of Killing Myself Because of My Gambling and Debt. – Christie

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      Christie “Dear Steve, I’m a 28 year old casual worker in melbourne australia, i owe debts to the value of 13 and a half thousand dollars, i owe this over 6 creditors like i said i only work casual so how am i supposed to pay someone off when the others are hounding me and payment plans arnt an option, ... Read More »

        Please Review This Debt Rx USA Marketing Material for Me. – Jeannie


        Jeannie “Dear Steve, Debt RX USA sounded too good to be true, started researching reviews and found your site. any advice? am forwarding the letter I receuved from them after our phone call. am glad I did not sign up with them. Jeannie”   Dear Jeannie, First off, thank you so much for sharing the information you received from Debt ... Read More »

          We Had a Contract for Deed / Land Sales Contract But the Owner Went Bankrupt. – Dawn

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          Dawn “Dear Steve, We have a contract for deed on the property that we live in. We are the authorized users/contact with the mortgage company, Litton Loans, that our landlord has their mortgage with. We pay Litton directly for the mortgage and are current and have never been late. Our landlord recently filed Chapter 7 bankruptcy. We receieved a letter ... Read More »

            Should I Just Tell My Creditors to Sue Me? – Heather

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            Heather “Dear Steve, Basics: I just turned 40. I’ve been unemployed for about 9 of the last 18 months. Finally have a part time, minimum wage job. Looking for more work but can’t find anything yet. I owe around $12-15,000 in unsecured debt. I agreed to a program with Discover where they reduced my interest rate to 5.9% and automatically ... Read More »

              Will Banks in Dubai, Hunt Me Down in Canada? – Kent

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              Kent “Hi Steve, I left Dubai without paying my credit card bills with 2 int’l. banks. I am now here in Canada on a permanent resident status. Can they trace me here? I am worried that it might adversely affects my application for Citizenship should I apply after 3 to 4 years. I am really stressed now. Thanks, Kent”   ... Read More »

                Which Debt Should I Pay Off First, Credit Card or Personal Loan? – Sean

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                Sean “Dear Steve, I’m a 20 year old college student around $2000 in debt, with two credit cards and one personal loan. What should I pay off first? The credit card with the highest balance or the one with the higher interest rate, or the loan. What effects my credit score the most? Sean”   Dear Sean, Personally, I like ... Read More »

                  I Feel So Embarrassed, Ashamed, and Without Hope Because of My Debt. – Karen

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                  Karen “Dear Steve, I am 62, divorced, working full time and heavily in debt. I tried Consumer Credit counseling, Debt Settlement by closing what little 401K I had and finally have filed for bankruptcy. My court date is in 1 month and I just received an audit from the IRS and find I owe another 5000 due to my own ... Read More »

                    We Have Crappy Credit But Need to Stop The Car Getting Repoed. – Anna

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                    “Dear Steve, My husband and his father are cosigners on a car loan together which is in mine and my husband’s possession and we are the ones paying for it. Due to my father in laws illness he has filed for Chapter 7 bankruptcy, the lawyer has stated on the forms to remove my father-in-law’s interest on the car. I ... Read More »

                      I’ve Made Some Really Dumb Money Mistakes in the Past. – Mindi

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                      Mindi “Dear Steve, I’ve made some really dumb choices in the past.I began working at age 17 and eventually saved up enough money to become a nurse assistant by age 18. when i got my first job making decent money i bought a car cash, broke 3 separate cell phone contracts and then moved in with a guy that was ... Read More »

                        I Have Great Credit, Never Missed a Payment, And Want to Get Out of Debt ASAP. – Bonnie

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                        Bonnie “Dear Steve, I have a large number of credit cards and a lot of credit card debt. I have never missed a payment and currently have a FICO score of 736. I want to pay down my debt and possibly consolidate my accounts into one payment. I think my debt is approx $60,000 and I have an mortgage and ... Read More »

                          I’m Enrolled with The Consumer Law Group and Can’t Afford My Medication. – Dauna

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                          Dauna “Dear Steve, I am 62, on disability and enrolled with Consumer Law Group last July. Because of my declining health, I need the funds which currenty go to the Consumer Law Group, for medication. My question is, if I discontinue these payments, will my retirement pension, which I receive in addition to social security, be subject to garnishment? I ... Read More »

                            I’m Holding On to Our House By Draining the College Fund. – Dave

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                            “Dear Steve, Much of my compensation is commission based and my clients are in the retail industry. My salary has reduced 25% so I tried to refinance my home, but it is only 2 years old and the value has declined 30% in the past year. My secondary mortgage lender was willing to offer a principle reduction if the primary ... Read More »

                              My Mortgage Was Discharged in My Bankruptcy But I Still Pay It. – Rae

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                              Rae “Dear Steve, My mortgage was discharged in my bankruptcy proceedings in December, 2005. I have continued to pay on my mortgage per the credit agreement. I have two questions: Is there a way I can get my mortgage to start reporting to the credit agencies because I am paying on it even though it was discharged? My budget is ... Read More »

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