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Ask The Get Out of Debt Experts

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 »

                    Are Thre Any Stimulus Packages or Grants That Can Help Me Get Rid of My Debt? – Julie

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                    Julie “Dear Steve, I’m 18 and went through a lot trying to make it possible for me to go to college I couldn’t save up the money to go so I got credit cards to pay for it because I didn’t even think about getting a loan now I’m in $9,000 worth of debt and am paying all my money ... Read More »

                      My Husband Just Got Laid Off. How Can We Fix Our Debt Problem Without Ruining Our Credit? – Amanda

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                      “Dear Steve, My husband and I have recently bought our first home and made some other big purchases using credit and have gotten ourselves into debt and then to top it off, he was just laid off, so we are down to just my income and much more than that in monthly payments. How can I fix this without completely ... Read More »

                        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 »

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