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Ask The Get Out of Debt Experts

My Debt Snowball, Snowballed. – Janine

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Janine “Dear Steve, I have $90,000 in debt and make $63,000 a year. I did a debt snowball but that snowballed. I can’t seem to get out of debt. My parents were close to losing their home and I gave them most of my money. I have a few things I plan to sell but nowhere near enough to cover ... Read More »

    I Have a Florida Time Barred Debt Issue. – Sally

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    “Dear Steve, Bit complicated. Am aware of time barred et al in Florida a note for $5, 000 secured by the promise that when property sold it would be paid note dated in 2000 was meant to honor the loan made by a friend. my property was due to be sold in 2007 by a sales agreement. we also fixed ... Read More »

      I’m in Debt Because of Too Much Fish. – Michael

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      Michael “Dear Steve, I’ve had a hellish trip through misery and desperation the past few years. In 2006, I experienced a health condition and illness from heavy metals and mercury through extreme consumption of fish and seafood since beginning to eat them more frequently in 1997. In Jan 2007, I had to leave my established sales career because of the ... Read More »

        I’m Going Bankrupt. How Long Until Bank of America Sues Me? – Mary

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        “Dear Steve, I have consulted an attorney regarding my overwhelming credit card debt ~ over 80K. I was told to stop using the credit cards for 3 mos before filing Bankruptcy. I have 3 credit cards with B of A, and also have my checking account with them. The attorney told me to move my bank acct, but I’m concerned ... Read More »

          I Want to Consolidate My Credit Card Debt at a Good Interest Rate. – Roy

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          Roy “Dear Steve, Trying to consolidate debt. seems there is no real help unless you default im trying to get help before I get to that point. just want a fair deal…looking for 9 to 11 % interest rate for roughly 25,000 total debt( not including 20,000 left on two car payments) I make a good salary now but it ... Read More »

            My Daughter Took Out Student Loans. I Couldn’t Co-Sign. Her Grandmother Did. Now She Can’t Pay. – Lorrie

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            Lorrie “Dear Steve, Four years ago my daughter decided to go back to school. She took out student loans through Sallie Mae. I tried to co-sign for her but was turned down… my mother was not. So now we have a problem of course, my daughter has 2 children, no job and the ex-husband doesn’t work either. My mother (the ... Read More »

              What Do I Do About Lawyer Calling Me to Collect on Old Debt? – Jeff

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              “Dear Steve, Due to a loss of income last year we have been unable to pay numerous credit card companies. We are stable now but cannot catch up. One of the accounts was charged off in the mean time and it was purchased by a debt-collection company. I have received a letter and a few phone calls from someone in ... Read More »

                I Just Finished a Divorce and Want to Dissolve My Debt. – Janet

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                “Dear Steve, I am currently in debt, $40,000. I just finished a divorce, had to buy a home and furnish it for my children and myself. Now I want to disolve all of my credit card bills with one monehtly payment. Because I have too much revolving credit I keep getting rejected. I do not want to go to a ... Read More »

                  I Was Divorced and Debt Free, or so I Thought. – Cheryl

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                  Cheryl “Dear Steve, I was divorced, debt was paid in full when the house was sold, divorce papers show debt was to be paid and all accounts closed, but Bank of America left if open after it was paid in full, and ex went back and used it up again, without my knowledge, when i did have knowledge he asked ... Read More »

                    I Am Pregnant and in Debt in the UAE But Will Not Be Able to Pay My Bills for Ten Months. – Leifam

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                    Lefiam “Dear Steve, This is how the story goes,i have 2loans and 3credit cards with a local and international bank and my debts sums up to $13,000. I am currently working here in Dubai, UAE. And as we all know that UAE law with the debtors are so tight that they put everybody in jail who ever fails to pay ... Read More »

                      Newlyweds With Baby on the Way, Getting Sued for Old Car Repossession. – Mariela

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                      Mariela “Dear Steve, My husband had his car repossed before we got married because he lost his job about two yrs. ago. The bank now is sueing him for the amount of the car. We are newly weds and parents-to-be therefore he has no money and he owns nothing. The letter is obviously threatening that they can take his wages, ... Read More »

                        My Ex-Husband Was an Authorized User on My Credit Cards and Ran Them Up. I Went Bankrupt. – Lauren

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                        “Dear Steve, My husband and I are in a Ch. 13 Bankruptcy. I filed because my ex-husband was an authorized user on my credit cards I had when we were married. He ran it up and we got divorced. I moved with my job out of state and had an outrageous car note that he agreed to help me pay. ... Read More »

                          My Fiance Left Me With His Bills. I Am Struggling to Get By. – Angela

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                          “Dear Steve, I currently separated from my fiance and am left with 2 car payments, a motorcycle payment, mortgage, student loans, credit cards and everything else. I obviously, no longer have his income to count on. I have received payment extensions, “down-graded” phone and tv plans, but this stll leaves me negative every pay period. I have not been delinquent ... Read More »

                            My Dad Cosigned for My Car Lease I Can No Longer Afford. What Should I Do? – Annilette

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                            Annilette “Dear Steve, My situation is that i lost my job couple of months ago. I had just moved and I have a car that I leased 2 years ago but havent made payments on it for 3months now. my dad is the co-signer and I didn’t mean to hurt his credit, but my dad understands that the economy is ... Read More »

                              I Bought an HP Computer Using Their Credit Card But I’m Being Penalized – Karen

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                              Karen “Dear Steve, I bought an HP computer with their credit card deferring the payment for 6 months. Missing the first payment $65 they charged a $39 late fee. I made double the payment to cover both. Since then payments were $150, 2 @ $120, $200. The late fee is still showing as a separate entity with its own finance ... Read More »

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