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Ask The Get Out of Debt Experts

Is Bankruptcy Really For Me at 70? – Frank

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“Dear Steve, Hi Steve. I came across your reply to suggesting bankruptcy too often while checking the site. I am hoping you will be able to advise me regarding my huge debt situation. I am a 70 year old man on social security and a small monthly pension. My income at this time is around $1350.00 a month. Up until ... Read More »

    I Would Like to Combine All of Our Debts Into One Loan. – Joe

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    “Dear Steve, My wife is leaning towards debt consolidation through a reputable company. I would like to combine our debts in one loan, but with a fixed rate. the problem is that banks are not willing to give out personal loans at this time. I need a 25k loan to consolidate my bills. I am not late on anything, but ... Read More »

      I Was With Allegro Law Debt Settlement But I’m Thinking of Going With Pacific Debt Now? – Shannon

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      “Dear Steve, I owe about 26,000 on credit cards i was with allegro law no im getting out of that and thinking about going with pacific debt but i here watch out for big amount of fees upfront,the first 3 payments go straight to them but after that all money but 56.00 goes in my account Does this sound right ... Read More »

        American Express Sued Me Personally For a Business AMEX Card I Had. – Michael

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        “Dear Steve, I had a small construction business, an LLC in Ohio, in Jan 2006 I closed it due to lack of work and had a small number of bills the company could not pay. All have gone away so I did not bother to file bankrupcy. Two years later American Express resurfaced. I moved to Kansas in 2007 a ... Read More »

          Can I Transfer My Allegro Law Debt Settlement Contract to Another Company? – Rafael

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          “Dear Steve, I have been with Allegro since June of 2008. They have helped me pay down over $4000 on a huge debt and lowered my interest rate by half. I have seen the recent news and I am concerned about losing my rate and fixed payments. The phone system at www.allegrolawreceivership.com says that all the current contracts will be ... Read More »

            My Husband is Going to 1099 Me. We Are Getting Divorced. – Suki

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            “Dear Steve, Hi Steve, I helped my husband run his business, he paid me each month, and for the first time in our marriage, he said he will 1099 me at the end of the year. I unfortunatly have gotten myself in heavy debt, 32 thousand in only credit cards that are in my name only. Im so scared to ... Read More »

              Do You Have a List of Reliable Credit Counseling Organizations? – Liz

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              “Dear Steve, My hubby currently has two major cc debts of around $8500. I do help him pay off his debts however, we are considering to consolidate his debts because the interest rates are around 27% and a huge percentage of our earnings go to bill payments. We are based in NY. I was wondering if you could recommend a ... Read More »

                How Can I Refinance My Car With Bad Credit? – Erik

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                “Dear Steve, My situation revolves around my car loan. I got my loan back in July 2006, and the interest rate was high, understandably because I had bad credit. Now two and a half years later, it seems that it still is horrible, because NO ONE will refinance me. I tried LendingClub.com (I googled my problem, saw you recommended it ... Read More »

                  My Wife And I Are Teachers But Our Finances Are Failing. – Jon

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                  “Dear Steve, My wife and I are both teachers. I just lost my job. We have a $310K mortgage on a home that is only worth $250K. The mortgage is a five year ARM that changes in December. We have about $45K in credit card debt and a $40K student loan. We can only make minimum payments on the cards. ... Read More »

                    Are There Any Grants That Can Help Me Go Back to School as a Divorced Single Mother? – Kathy

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                    “Dear Steve, I have met an unfortunate time with a recent divorce. I only make 17,000 a year, but am going back to college. I am a single mother of three children, all in college. I work and go to school full time. My attorney fees are 40,000 and am still in and out of court. I need to pay ... Read More »

                      I Was the Victim of a Fraudulent Loan Scam and Can’t Pay My Bills. – Catherine

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                      “Dear Steve, I was recently the victim of a fraudulent loan scam losing over $5,000. Federal/State authorities are looking into the company. As a result of this, many of my bill payments have fallen behind and my credit score is poor. Should I try to get a personal loan with a co-signer with good credit or work with a debt ... Read More »

                        Damn, I Was About to Enter a Debt Management Plan When a Debt Settlement Letter Arrived. – Richard

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                        “Hi Steve, Thank you again for all of the great advice you provide for so many of us in need! It is greatly appreciated. My question is regarding a single creditor. I entered into a Debt Management Plan with a legitimate organization in the industry. My single concern at this point is that one of my creditors decided to sell ... Read More »

                          I’m Not Sure What Type of Lawyer I Need. Bankruptcy or Real Estate? – PJM

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                          “Dear Steve, I am not sure what type of lawyer we need Bankruptzy or realestate? We are current with or 1st and 2nd mortgage and are quickly falling behind in credit cards and car payment. What type of lawyer do I need i would like to get rid of the 2nd the bank does not want to lower the rate ... Read More »

                            My Husband Walked Out on Me and Left Me Disabled and in Debt. – Maggie

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                            “Dear Steve, Divorced, disable on Social Security, 61 yrs. old. My husband walked out on me in 2005 after taking every dime of security I had worked for all my life. I have a refurbished trailor I purchased by mortgaged property I received after my mother’s death in 2003. I had two credit cards at the time of my husbands ... Read More »

                              Should We Payoff the House, Make Improvements, or Neither? – Nare

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                              “Dear Steve, My wife and I would like to make about $60 K worth of improvements to our house. The problem is, the house right now (with improvements over time that we’ve made) is already worth $11 K less than the maximum selling price it would fetch on the current market. We don’t necessarily improve just to meet market demands ... Read More »

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