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Ask The Get Out of Debt Experts

I Was Laid Off and Burned Through My Savings. – Tom

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Tom “Dear Steve, I was laid off last year and out of work for 5 months. That burned through my savings. I got a one year contract position which has now ended. I have $45K of unsecured credit and a $6K balance on a secured auto loan. Since I am out of work, I contacted my lender, Wells Fargo Bank, ... Read More »

    The Collection Agency Will Not Give Me an Estimate I Am Able to Do. – Sara

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    Sara “Dear Steve, I have 1 credit card that has been in collections for a while now. I would like to pay it off but the collections agency will not give me a an estimate I am able to do. Is there any way of getting help in lowering the total amount I need to pay? Sara” The Answer   ... Read More »

      I Owe Navy Federal Credit Union $17,000. – Garr

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      Garr “Dear Steve, I owe Navy Federal Credit Union $17,000 the account is charge off but they are take legal act to garnishment or civil suit i am not sure they take a settlement. Garr” The Answer   Dear Garr, The issue here that you need to take some action to intervene here instead of just watching the bus hit ... Read More »

        I’d Like to Settle My Debts Without Using a Service. – Kathleen

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        Kathleen “Dear Steve, I currently have 3 credit cards I owe on for a total of approximately $3500.00. I have been receiving calls from the companies because I am behind on payments and would like to contact them to make arrangements to settle these obligations over the next 6 months. The amounts I actually owe is less, but the fees ... Read More »

          My Credit Card Companies Said They Can’t Help Even if They Got a Bailout. – Shaun

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          Shaun “Dear Steve, Hubby and I bought our home in 2007, our credit was in pretty good condition. We had the same amount of credit cards as we do now, with the exception of 2. One each. Some are the same cards for both of us. We have about 13 or 14000 in just credit cards. My car will be ... Read More »

            I’m Addicted to Your Podcast MoneyHelp. – Mykell

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            Mykell “Dear Steve, I am addicted to your podcast and now I can’t find any updated ones! Did you guys stop doing MoneyHelp podcasts in April of 2007 or are they now hosted somewhere other than itunes? MoneyHelp really did help me get on a positive path to grabbing hold of my finances and head in the right direction. Thanks ... Read More »

              I Was Jobless For a While And I’m 120 Days Late. – Billy

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              Billy “Dear Steve, I was jobless for awhile. I am 120 days late on alot of my bills… Credit cards etc.. right now im barely making enough to keep me a float. Im able to just pay neccessities right now. With different companies calling me everyday wanting me to pay, I have told all of them my situation. I dont ... Read More »

                CACH Letter Says a Sheriff Would Be Sent Shortly. – Douglas

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                Douglas “Dear Steve, My mother received a collection letter at her home of which I have not lived for a number of years. The letter stated that a sheriff would be sent shortly to serve a complaint. The collection letter said that they are not a law firm, that they were just trying to collect a debt. The letter says ... Read More »

                  I Got My Credit Report But How Can I Improve My Credit Score? – Melissa

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                  “Dear Steve, I received a credit report print out from all 3 credit bureaus. My credit score ranges from 604-639. I have an outstanding debt from a collection agency for $1500. And another for $183. I have paid a car loan off and I have one credit card with a $250 limit,which is current with a zero balance. I also ... Read More »

                    American Express Teleconference Lawsuit. – Ernie

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                    Ernie “Dear Steve, I have a notice to appear in a judges chamber for a teleconference call with a law firm of Wagner and Hunt (American Express), In the past we have corresponded each time I gave them an offer to settle but they have never responded and now we are about to go to this step. I do not ... Read More »

                      The SCH Corp, ACCS Corp and American Corrective Counseling Services Postcard. – Melissa

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                      “Dear Steve, I received a postcard about SCH Corp. , ACCS Corp., and American Corrective Counseling Services Inc. , filing Ch. 11 (Bankruptcy), in this postcard it is talking about a claim I might have. Melissa” The Answer   Dear Melissa, A lot of people have received the postcard about the American Corrective Counseling Service company filing for Chapter 11 ... Read More »

                        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 »

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