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Ask The Get Out of Debt Experts

We Have Always Paid Our Bills On Time And I Don’t Want My Daughter to Suffer Now That We’ve Got Problems. – Kim

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Kim “Dear Steve, We have always paid our bills on time. We own our house. We are 85,000 in credit card debit. Both of our salaries have been cut. We have 2 kids and one of them rides horses. We pay about 800 a month on that and I can’t take that away from her. She makes all A’s, and ... Read More »

    I’ve Got a Debt Situation. Can You Please Listen? – Noname

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    Noname “Dear Steve, My situation now seems totally hopeless and I am facing homelessness I am not sure if I am asking a question (or questions) of you or just need you to read and listen, probably a little of both. I am a single/divorced women in her mid-fifties. I was divorced and raised my only child by myself, which ... Read More »

      I’ve Been Working Since I Was 15 and Made All the Right Financial Moves But Now I’m in Big Trouble. – Marcia

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      Marcia “Dear Steve, I have been working since the age of 15. Every decision I made as a young adult and onward was based on increasing my solvency. I grew up working class. My parents were an example of how not to wind up. I have a master’s degree and have been working successfully in the tech industry since 1984. ... Read More »

        Our Monthly Payments Are More Than We Make. – Chelsey

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        Chelsey “Dear Steve, My boyfriend and I pay more a month in payments than we make in a monthly income we have 2 credit cards maxed, one $1000, $8000. A 1890000 mortgage, which payments are $1200 a month. a $15 000 new vehicle, a $20 000 line of credit, $8000 student loan, and $3000 in small claim loans. My boyfriend ... Read More »

          My Mother is Disabled and Bedridden in a Nursing Home and Chased by Debt Collectors. – Carolyn

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          “Dear Steve, My mom is bedridden and disabled in a nursing home for over 5 years. The credit cards she left behind were notified of her phsycial and finaancial inability to pay these debts over 4 years ago. I was told by her lawyer to ignore all communication about her debts which I have done and now they have tracked ... Read More »

            Mortgage Company Won’t Modify Loan Because it is an FHA. – Debora

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            Debora “Dear Steve, In January I lost my job. My husbands hours were cut. We have fallen behind on all of our bills including our mortgage. I have tried to refinance so that we can save our house but our home value came back at less then what we owe so that was not an option. I am not looking ... Read More »

              I Have Big Debt. I am From Guatemala. – Rebeca

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              Rebeca “Dear Steve, I have big dept. I am from Guatemala. I make 9k a month and my husband has a small bussines which makes in profit around 1k. Im trying to cut all my expenses as low as possible. I have debt in credit cards as of today for 47k I am paying a little bit more than the ... Read More »

                I Am a City of Houston, Texas Employee and Need to Repair My Credit so I can Build a House. – Jocelyn

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                Jocelyn “Dear Steve, I am a 15 year City of Houston, Texas employee. My gross income is about $27,000 a year. We get no raises or cost-of-living adjustments. However, despite my low income I have managed to purchase a piece of property. Years ago I became ill with a form of cancer and ended up filling for bankruptcy. My credit ... Read More »

                  I’m Almost Drowned in Debts in India – Ram

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                  Ram “Dear Steve, This is Ram from India and i am almost drowned into the debts. My monthly earnings after my business and house expenses are Rs.25000(the max). I have debts to the extent of rs.30lacs of which rs.4lacs(against full surrender value of my insurance policies) and remaining rs.26lacs(in the form of overdrafts, personal loans and credit cards).I have nothing ... Read More »

                    What Do You Think of the CCCS company Money Management International? – Carol

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                    “Dear Steve, What do think of Money Management International? Are they the same company as CCCS? I have about 60,000 in debt and I need help my husband hasnt had a paycheck since Nov I did my own modification on my house back in Jan. I have no equity in my house they just lowered the payment and gave me ... Read More »

                      I’m a Student in the UK, My Phone Bill is Almost £300 This Month and I Plan Not to Pay It – Ali

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                      Ali “Dear Steve, Hi there, i am an international student in the UK. when i got here i bought a phone contract for 35 pounds a month. i also made alot of international calls being unaware of the high international calling rates my phone bill this month is almost 300 pounds.. I have cancelled my direct debit. my address will ... Read More »

                        The Collection Manager Yelled at Me. I’m in the United Arab Emirates. – Cery

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                        Cery “Dear Steve, I missed one payment for my first gulf bank credit card in the UAE so i wrote them an email to inform them of my current situation and to find a way to settle the matter with them, i paid 1,000aed against the minimum amount of 9,000aed. However i was shouted at by the collection manager and ... Read More »

                          I’m Thinking of Using Debt Settlement to Clear Our American Express Debt. – Lynn

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                          “Dear Steve, A move from California to Texas (and a pay cut… though cost of living decreased, credit card bills/car loans did not!) is putting us in financial strain. We just had our second child and I am still paying on the medical bills 3 months later. We’re not yet *behind* on anything, but one of our bills is really ... Read More »

                            I’m About to Have a Nervous Breakdown Because of My Debt. –

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                            “Dear Steve, 60k in IRS debt and 20k in credit card debt, already living paycheck to paycheck supporting kids and adopted grandkids What can I do, IRS has placed a federal tax lien so i can’t get a loan and credit card company is calling my work and home 20 times a day and applying 20% interest but is unwilling ... Read More »

                              I’m Thinking of Bailing Out My 30 Year Old Son and Payoff His Debts. – Irma

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                              Irma “Dear Steve, Mother of only son with serious debt. My son is 30 years old and has $10,000 in debt. All of his bills are late accruing late charges etc. 7 months ago he lost his job. He earned $50,000 / year. He is single. He bought a house and recently worked out a deal with Countrywide and lowered ... Read More »

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