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Ask The Get Out of Debt Experts

I’m Over My Head in Debt. – Laura

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“Dear Steve, Hi. I’m in just under £3,000 of debt. I really need to get it paid of asap any ideas that could help? Laura” The Answer   Dear Laura, The amount of debt is not the critical issue, it is how is it impacting your life that is the key. Debt in the UK is overcome just like it ... Read More »

    Can I Go Bankrupt Myself Without Including My Husband? – Leanne

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    Leeanne “Dear Steve, I have multiple credit card accounts that I have maintained for years but in the past couple of years I have fallen behind, used the existing credit on the cards unwisely (paid tuition, paid other credit card bills, etc) and have lost all control. My minimum payments have skyrocketed, my interest rates are the highest I’ve ever ... Read More »

      I’ve Heard About Companies That Can Drastically Reduce Your Debt. Is That True? – Drew

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      Drew “Dear Steve, My student loans, rent, car payment, electric, phone, internet, and other bills are piling up. I don’t make much money, and my job is insecure. I have heard of companies that can drastically reduce your debt. Is this true? Is there anything I can do to get out of debt fast and relieve some stress??? Drew” The ... Read More »

        I Was Told I Had Quit, But I Hadn’t. – Henry

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        Henry “Dear Steve, I worked for a company for 4years,I quit do to alot of stress ,personal and from my work .I was a sanitation supervisor at a produce packing company.I was required to work a lot of hours under the gun and after all the stress i was going through I went to my boss and told him I ... Read More »

          How Long Will it Take Me to Raise my Credit Score by 100 Points? – Thomas

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          Thomas “Dear Steve, 530-590 credit score… have gone late on several payments on credit card and car loan over past year… (current for the past 3 months) Had one item (an old utility bill) go to collections. I had no clue my score was this low. How long does it take to raise your credit score by approximately 100 points. ... Read More »

            I Am Bipolar and Deep in Debt. – Susan

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            “Dear Steve, I’m recently diagnosed as bipolar – and have 25K in credit card debt that I’ve racked up over the last 18 months. I thought the problem started less than a year ago, and have blanked on anything prior to March 2008 with regard to finance trouble. How do I quickly get out of debt? I’m an at-home mom ... Read More »

              Unemployed, Underemployed, and Class S Stamps. – Joe

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              “Dear Steve, Unemployed since nov 08. I was selfemployed until I had to close the buisness. My wife works 19 hrs per week at low wage. We lost our home last July as we were unable to keep up payments on it, but were lucky to sell it and clear the morgage with no money left over. At present owe ... Read More »

                Should I Consider Bankruptcy? – Jan

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                “Dear Steve, My car payoff is $22,900 and I pay $450 a month. I have credit debt that adds up to $20,000. I’m receiving unemployment for the time being I am making payments on everything but I’m nearing an end as far as income coming in. I have not found a job and soon my unemployment will expire. Should I ... Read More »

                  Our Friends Cashed Out Their 401K And Now Need to Walk Away From Their House. – Jody

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                  Jody “Dear Steve, I’m asking for our friends. He has two part time jobs. She just got laid off from her job. They have cashed out their 401K and are paying off all their debts but the one thing that they are wondering about is their house. They are upside down in it because they got an equity line of ... Read More »

                    Community College is Garnishing Money for Classes Never Attended. – Serenity

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                    Serenity “Dear Steve, I lived in Arizona and was relocating to OK last spring. I had job interviews,my living situation and my whole move worked out. Then I got into an awful car wreck that totaled my car and by the grace of the gods I walked away,unbelievably so. The wreck happened the same week I was to move. I ... Read More »

                      Should We Just Throw Up Our Hands And Move On? – Jennifer

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                      “Dear Steve, Relocated out of state…house did not sell for 2 years, finally sold in a short sale and we signed a 30k promissory note. ALL other credit is PERFECT, but we are treated like bad seed. CC companies raising interest rates and slashing credit limits. Go to a store to use a card and it has been cut off ... Read More »

                        Capital One is Calling Me Every Day Even Though I Am Disabled. – Debra

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                        Debra “Dear Steve, I haven’t wored in about 5 years due to a car accident, I’m not getting SS disability because they don’t believe I’m injured enough, I’m living with a relative, I have no assets or even a bank account. I am being sued by Capital One for a long ago credit card bill. I have already responded and ... Read More »

                          I Have No Assets And Collectors Are Coming After Me. Should I Go Bankrupt? – Tim

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                          “Hi Steve, Great Site, Great Photo’s. How do u make a living offering all this free help? My Question, I have around $100,000 in Credit Card Debt. I don’t own a home, it’s in my wife’s name. I lease a car 2002 Model payments $299 per month, car is worth less than the lease 100,000 Miles on it. I am ... Read More »

                            Are the Collectors Lying to Me? – Janet

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                            URGENT QUESTION! Janet “Dear Steve, I am now getting phone calls from creditors with deals to wipe half off & low monthly payments – I am worried that the wiped off half will be given to a collection agency later on. Where were these people when I asked for help before I got behind? I think we should just finish ... Read More »

                              Should I Take Money Out of My IRA to Pay My Credit Cards? – David

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                              “Hi Steve, My wife is out of work and I was for about a year. We have about 40K in CC debt and there is no way I see to get rid of that. We have 2 houses and can’t selll the one we do not live in as the market stinks. We have the two mortgages. I have 54K ... Read More »

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