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Ask The Get Out of Debt Experts

I’m a 37 Year Old Student, Working Part Time and Mother of 4. – Kim

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Kim “Dear Steve, Student at 37, working part time and full time mother to 4. I have just graduated with my associates degree and working (making $11 hr.). I have a daughter (14) and custody of 3 neice (8, 11, 12). Now that I am back in the work force I am wanting to start taking care of my old ... Read More »

    We Are Going to Sell Our House and Travel Around in an RV. – Deb

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    Deb “Dear Steve, Our situation is not pretty but, could be worse. Purchased home in 98 for $124. Several re-mtgs. I believe it’s worth $200+. Our jobs are lost. We have mod. credit debt. and x2 car pymts. Minimal income now and can be increased w/new jobs. We’re thinking of selling and RV’ing it. Is it possible to sell in ... Read More »

      I Got a Court Summons for Credit Card Debt. What Do I Do? – Denise

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      Denise “Dear Steve, Have about $50,000.00 of credit card debt. Have received a court summons for credit card debt. How do I reply? Denise”   Dear Denise, If you got a summons then one or more of your creditors is suing you. You can always hire a local lawyer to give you legal advice or you can follow the instructions ... Read More »

        I’m Trying to Get My Lender to Modify My Mortgage But They Don’t Seem to Want to – Debbie

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        “Dear Steve, I was laid off from my job in April 2008. I have been collecting unemployment insurance and doing some contract work. I have a first and second mortgage and some credit card debt. I am not behind nor have been late on any of my obligations. I am not upside down on my mortgage in fact I have ... Read More »

          My Chapter 13 Bankruptcy Was Dismissed by Trustee But I Want to Keep My House. – Norma

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          Norma “Dear Steve, Due to medical condition requiring several surgeries within last three years, I had to file for Ch 13 bankruptcy but it was dismissed by trustee for not being able to meet the amount of payments the court required. My debts are two mortgages, medical bills, personal loans to family members, a judgement and student loans. What can ... Read More »

            I Put My Girlfriend’s Electricity in My Name. She Screwed Me Over.

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            Noname “Dear Steve, I helped a girlfriend out with putting the electric in my name at her resisdence. I assumed she paid the bill. When I moved to my residence and established electric service, they attached the past due bill on, In addition attached a bill from 7 years ago from a previous address. In the state of Illinois what ... Read More »

              This is Why I Hate 15 Year Mortgages and Think They Are Risky

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              Judy “Dear Steve, I have 90,000 in credit card debt, I currently have a 15 yr mortgage which has 11 years left payment 1413.00 per month, I also have a second mortgage at 40,000 paying 485.00 per month with 11 years left my current take home is 3,800 per month. I’m in trouble. I’m receiving help from friends and family ... Read More »

                I’m Having a Tough Time Affording My Kia Sportage Payments. – Theresa

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                Theresa “Dear Steve, I Bought a car last year a 2005 kia Sportatge for originally I think it was 11 thousand but the car dealership I bought it from was a ford company and they really socked it to me my payments are 211 every 2 weeks for 72 months which made it sound manageable But I still owe 16 ... Read More »

                  I’m Broke and Living With My Parents. My Credit Card Company Wants Me to Send Them a Letter. What Should I Say? – Noname

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                  Noname “Dear Steve, Hi, I am currently unemployed and broke living with my parents just barely getting by. I have about $3,000 in credit card debt which is 90 days since last payment. I am actively seeking a job now and called the credit card company and told them about the situation. The credit card firm said that I should ... Read More »

                    My Mortgage Left Chicago on a Train at 9 AM Going 52 MPH. – Rick

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                    Rick “Dear Steve, Bought a house for 325k, four years ago on an interest only arm loan of 256K, as well as a second mortgage for balance to avoid PMI (this second seems untraditional as it has a balloon payment of 45k due in 2020). This loan is a non Fanny Mae or Sally Mae loan, so we do not ... Read More »

                      Staying With My Parents is Shunned in My Community. – Jahmiel

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                      Jahmiel “Dear Steve, I’m 30 yrs old. I have a full time job paying at least $30,000 a year. With the student consolidated debt of $60,000. my private loan is $20,000 with 9.25% rate. My federal loan is $36,000 with a 3% rate. My credit card payments is currently $1800. I’m sending extra payments. I’m able to pay on my ... Read More »

                        My Fiancee And an Ex Had a Joint Account at a Furniture Store. This Doesn’t End Well. – Noname

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                        Noname “Dear Steve, My fiancee and an ex had a joint account at a furniture store. When they split she forgot to remove him from the account and he ran up a 15,000 bill. The company has now put a judgement and garnishment against her for the full amount because they can’t find the guy. Any ideas How do we ... Read More »

                          My Father Co-Signed for My Car and I’m Going Bankrupt. – Deborah

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                          Deborah “Dear Steve, I’m single and deep in debt ($25,000), I just lost my job and at this point I’m living off my partime job I had before lay off and 6 weeks severance pay (UI benefits have not kicked it as of yet). I have about $6,000.00 in 401K. I have a mortgage and a car note (new 5 ... Read More »

                            I’m in the UK. Is There Any Way I Can Get Out of Debt Without Paying a Fortune for Help? – Dean

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                            Dean “Dear Steve, I have 2 credit cards and 2 loans totalling almost £52000, i am struggling to make my monthly repayments as the interest is crippling, one of my credit cards has recently been handed to a debt recovery agency which has helped a little as the interest on that has now been abolished. but i am still struggling ... Read More »

                              Will I Ever Be Able to Buy a House After My Bankruptcy and Foreclosure? – Michael

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                              Michael “Dear Steve, I got a chpt 7 a few years back when I was going through a divorce. Ran into some money problems and got a chpt 13 repayment plan but my house was foreclosed on. I am currently renting a home but would like to save money for a big down payment on a new home. I recently ... Read More »

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