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Ask The Get Out of Debt Experts

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 »

                    Capital One is Suing Me and I’m Really Depressed. – Genie

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                    Genie “Dear Steve, Hi, I’m so glad I found this site. I’m 26, just graduated from school…and I have a ton of debt which is driving me crazy. Right now, I have a few collections agencies after me. Last week, I go home on Friday and find 3 letters- 2 of them being summons and one from the lawyer who ... Read More »

                      I’m in Debt in Dubai. – Matthew

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                      Matthew “Dear Steve, I need an guidance from you. sir, i have outstanding totaling to 200,000dhs in dubai. i am still in dubai and with 6500dhs salary it has become impossible for me to repay all of them. i worte to all banks to allow me start paying of for small cards and switch to bigger cards and then loans. ... Read More »

                        Can I Eliminate and Discharge My Student Loans With Bankruptcy? – Matt

                        Matt “Dear Steve, In April of 2004 I graduated from college with an associates in applied business. Quickly upon graduation i was startled at what i was expected to pay per month for my recent, what I thought was self improving, endeavor. Stuck with the inability to repay these student loans, I really have no idea on what to do….as ... Read More »

                          Where Can I Get a Loan for $800 to Payoff My Debt With Bad Credit? – Terri

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                            Should We Walk Away From Our Mortgage? – Phyllis

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                            Phyllis “Dear Steve, We bought a house three years ago – ARM, two mortgages, total payment 2562. One year after we purchased the house, we were in the middle of refinancing when my husband lost his job. He was unemployed for four and a half months and we had to use our retirement to keep our bills current. My husband ... Read More »

                              I Cosigned for My Daughters Law Degree Loans Which She Refuses to Pay Back. – Pam

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                              “Dear Steve, I cosigned on private student loans for my daughter’s grad school years (these are not federal loans.) I’ve since then, been diagnosed with a brain lesion which required treatment, have subsequent seizures, spinal problems and multiple other medical problems. I had to sell my home and move in with my mom and step dad. I have not been ... Read More »

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