Home > Ask The Get Out of Debt Experts (page 38)

Ask The Get Out of Debt Experts

I Have No Savings and Have to Juggle Payments Each Month. – Butch

surprise

“Dear Steve, I am 64 years old, a teacher. Every year, my salary has gone done (forced furlough days). Bad divorce-impulsively took a second mortgage on my townhome to pay child support and attorney fees (13.9%!). Currently in a DMP program for $22000 of credit card debt. Retire in 2 years-will get 50% of current salary and Social Security. First ... Read More »

    My High Income Ex-Husband Refuses to Pay What He Owes. – Jill

    Super Hero - Female

    “Dear Steve, My ex husband left my three children and me. Before he left he stockpiled marital assets offshore and borrowed off of our home until it was underwater. He claimed he no longer wanted to be a husband or father and signed custody over to me. Our children are 17, 15 and 13. He has not seen them in ... Read More »

      Can I File Bankruptcy Without My Husband? – Penni

      questions narrow

      “Dear Damon, Bankrupt in 1997; back in the hole with massive credit card debt! We want to sell our home and buy a smaller one now that it’s only us two. He makes decent money, but we barely make ends meet and are starting to fall behind again. I’m wondering if I can file bankruptcy separately from my husband, or ... Read More »

        The Bible Says We Should Owe Nothing. We Pray and Cry About Our Debt All the Time. – Heather

        make better choices

        “Dear Steve, Me and my husband have about 10 credit cards they are in collections we have 2 that are current and the car is current we need help I can only find part time work and my husband only has a part time job he goes to college to get a better job to support us his 4 year ... Read More »

          Should I Pay Off My House or My Student Loans First? – Kem

          fear

          “Dear Steve, I am finally in a place in my life where I am earning enough money to pay my bills and have a little left over. After buckling down and sacrificing (and selling) a lot, the only debt I have left, besides my mortgage, is my student loan which stands at a little over $100k at about 5% interest. ... Read More »

            How Should I Spend My Windfall? – Marie

            process

            “Dear Steve, No car payments, less than $8,000 in credit card debt and only one mortgage (at 6.5% interest rate). I will be receiving a lump sum of money at the end of July or first part of August in the sum of over $75,000. First car runs great and is 2009 model, second car is a 2000 model and ... Read More »

              I Am Self-Employed, Show Very Little Taxable Income and Have $130,000 in Credit Card Debt. – Ian

              old man headache

              “Dear Damon, Self employed for 13+ years 55 years old Like so many self employed people the recession has been rough, add to that medical bills, and it’s easy to get caught in credit card debt. I currently have $130k in credit card debt with an average interest rate of 16%. I am making the payments, usually double the minimum ... Read More »

                My Husband Passed Away and I’m a Chapter 13 Bankruptcy. – Alicia

                future

                “Dear Damon, My husband passed away Febuary 16 of this year and was very sickly all of 2012 with leukemia and when he got sick lost his job 2 month after finding out he was sick. Money situation got bad he was able to get long term disability insurance it helped with some of the bills but it was not ... Read More »

                  I Have Fibromyalgia, PTSD, and a Lot of Medical Bills. – Cyndi

                  Mature woman confused

                  “Dear Damon, I’m 54 & don’t work due to Fibromyalia & PTSD? I don’t get any disability. I was denied because i don’t have enough credits. My husband is 60 & receives $1474.00 from S.S. Disabilty. He had a stroke in 2007. That is our only income. I was hospitalized 12/2010 from internal bleeding & had to have 3 blood ... Read More »

                    My Shopping Addiction is Being Treated But My Husband Says I Need Credit Counseling. – Mary

                    needy

                    “Dear Steve, I make $38000 per year, my position is “live-in” so I have no rent/mortgage nor utilities to pay, only my cellphone. I have about $15000 worth of credit card debt. I was close to being maxed out on most of them but never missed a payment (minimums) & always had money left over to shop online with after ... Read More »

                      A Truck Driving School I Never Attended Sued Me. – Randall

                      moving

                      “Dear Steve, A TRUCK DRIVING SCHOOL I NEVER ATTENDED HAS PUT A JUDGEMENT WITH EQUIFAX. THIS SUBMISSION WAS WITHOUT INFORMING ME OF ANY OF THE RELEVENT NFORMATION. EQUIFAX REFUSES TO REMOVE THIS ITEM. I LIVE IN S.C NEAR THE GA. BOARDER AND CAN GET TO ATLANTA. IN TWO HOURS. CAN I SUE EQUIFAX IN SMALL CLAIMS COURT TO GET THEM ... Read More »

                        My Mother Died, I’m Behind on Rent and My Car. I’m Scared. – Michelle

                        change4

                        “Dear Steve, My mother passed away in October – no life insurance – I took out 2 pay day loans and 3 payday installment loans to cover expenses and then my bank finally gave me a loan for her funeral expenses. But now I am caught in the vicious payday loan cycle and can not take care of daily living ... Read More »

                          You Literally Saved My Life and Financial Future. Thank You. – Steve

                          bankruptcy congratulations

                          “Dear Steve, I just wanted to say thank you as I owe you a debt of gratitude! My partner lost his job due to a health issue and has been unemployed for five years–I tried (in vain) to sustain my debts. I tried every resource to stay afloat. I quickly learned that there are resource to provide loans, payday loans, ... Read More »

                            I’m So Afraid of Bankruptcy. – Matt

                            storms

                            “Dear Steve, I have a lot of credit card debt and a home in foreclosure. My credit score is really hurting and so the attorney for the foreclosure advised us to declare bankruptcy. We have two cars and dont know how to handle the cars with regard to bankruptcy. My wife makes no income and I don’t know how she ... Read More »

                              We Have a Lease to Own Our House But I Credit is Terrible. – Colton

                              qa3

                              “Dear Damon, I work a salary based job at 35 k yr my wife is a stay at home mom with two children we are tied into a lease to own on our house that we are supposed to find financing for in about a year from now. I’m 25 k in medical debt do i file chapter 7 or ... Read More »

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