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Ask The Get Out of Debt Experts

I’m Thinking About Canceling My Chapter 13 Bankruptcy. – Sandi

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Sandi “Dear Steve, I was forced to start bankruptsy 13 procedure to save my house I purchased in Colo in June 06. I got behind on payments due to a guardianship issue with my mother. I no longer have that issue & feel that I can work with my mortgage co and my debtors without filing bankruptsy. My bankrupsty attorney ... Read More »

    We Are Drowning in Debt and Can Barely Buy Food. – Kay

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    Kay I asked my friend, Gerri Detweiler, to also answer this question so you could get two independent points of view. You can learn more about Gerri and contact her by visiting her blog. “Dear Steve, I’m a 42 year old married woman with 2 little girls. All the credit cards are in my name. Several years ago, I added ... Read More »

      Do I Need Term Life Insurance or Whole Life Insurance? – Amy

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      Amy “Dear Steve, Do I need term life insurance or whole life insurance? I have both and I have cash value in my whole life policy that I am considering cashing in to pay off my credit card debt. Is it a good idea to cancel my whole life policy to pay off my credit card debt so I can ... Read More »

        My Husband is Going to Be Laid Off This Friday. – Lori

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        Lori “Dear Steve, My husband is going to be unemployed Friday. We aren’t in dire straights just yet however there are only so many hours I can work. He is making the radar but with 9 interviews underfoot and 2 more scheduled he still has found no work. We have submitted over 50 applications to still have no job. The ... Read More »

          I Started to Get Into Debt at 19. – Jon

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          Jon “Dear Steve, Hello, My story is a bit different, and longer than most. feel free to edit as you like. Coming out of high school, I had a job with great perks, and really good pay about a year and a half ago. The problem was, that with all these perks and money at the age of 19, I ... Read More »

            I’m Getting Married to a Guy That Has Not Paid His Credit Card Bills in 6 Months. – Monique

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            Monique “Dear Steve, My fiance and I are getitng married soon. He has been laid off, has not paid his credit card bills in over 6 months and I want to know if these credit card companies can take my taxes when we file becuase we will file jointly but he’s had no income this year. We’re barely making it ... Read More »

              I Bought a House and Slowly My Credit Has Been Getting Worse. – Sheila

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              Sheila “Dear Steve, When I bought my house about 9 years ago, I underestimated the expenses that come along with home ownership and began living above my means. I began using my credit card more and more (paying for home services, car repairs, fees and living expenses). I accumulated more cards to “take advantage of” the no interest incentive periods, ... Read More »

                I’m Stuck in South Africa With U.S. Debts. – Anthony

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                Anthony “Dear Steve, American, forced to live in South Africa due to spouse not being recognized for immigration to the U.S. I was forced to make the very difficult decision of leaving my spouse who could not remain in America or leaving America to be with my spouse. I of course left America because who would leave their spouse just ... Read More »

                  I Attended Digipen Institute of Technology in Redmond, WA and Now I Can’t Pay the Bill. – Orion

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                  Orion “Dear Steve, I attended Digipen Institute of Technology in Redmond, WA, from 2001 through 2004. The school was not accredited at the time, so I had to take personal loans from Key Bank (the only bank in Digipen’s area who would loan to students attending Digiepn) to pay for living & college expenses. A few years after I graduated, ... Read More »

                    My Wife and I are Headed for Divorce. Am I Responsible for Her Debt? – Fred

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                    “Dear Steve, My wife and I are headed for divorce. She accumulated several credit card’s in her name only. Am I responsible for this debt? If and when she leaves, I would like to keep the house, but will struggle without her income. She has only been responsible for paying the utilities. My credit score is low around (544) with ... Read More »

                      I’m Being Sued by My Ex-Husband For a Debt in His Name. This Can’t Be Right! – Michelle

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                      Michelle “Dear Steve, My ex husband is stating he is sueing me for debt that is in his name that was stuck to me in the divorce. I have paid thousands of dollars just to pay a lawyer to represent me in a child custody battle over the past year and a half. He said my wages are going to ... Read More »

                        My Step-Father Cut My Mom Off and Now We Can’t Pay the Bills. – Alexandra

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                        Alexandra “Dear Steve, My mother and I live together (I support her). Based on an agreement with my step-father, he has paid my mother’s rent for the past 15 years. Unfortunately, due to a family dispute in January, he cut me off and stopped paying the rent, which left me scrambling to cover. Once my credit cards were late, most ... Read More »

                          I Thought My Student Loan Was Discharged in My Bankruptcy. Now They Say It Can’t Be and Want Their Money. – Joseph

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                          Joseph “Dear Steve, Filed BK in Cali June 2006. EDUCAP loan (student) was included in BK. EDUCAP claims that said loan is NOT dischargeable. I’m concerned that they are accurate. My original loan was for 18k (1800 went to them as a funding fee). I paid faithfully for about 6 months. My owed amount in default was 17,700 ish. In ... Read More »

                            I Have Sleep Apnea and Debt. What Should I Do? – Karen

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                            Karen “Dear Steve, I have been just getting by for the past few years and having to use my credit cards for most of the extras. My 12 year old son just moved in with his dad. I was getting 235.00 per week child support. Now I am supposed to pay 20.00 per week. My x says he does not ... Read More »

                              I’m Doing Debt Settlement and Getting Sued by Chase Bank. – Darlene

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                              Darlene “Dear Steve, My husband and I have a judgement against us from Chase for $5200. Our debt settlement company said they would answer the summons for us. The lawyer from Chase said they don’t work with debt settlement. We told them we didn’t have the money to pay (may be losing our home). The next thing we know we ... Read More »

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