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Ask The Get Out of Debt Experts

Is NuVision Relief Center a Legitimate Company?

puzzled looking little boy looking to the left

“Dear Steve, Is NuVision Relief Center a scam or is it a legitimate company to work with for a loan modification?” Whenever I get questions like this they always make me wonder what each persons definition of a legitimate company are. When it comes to getting mortgage modification help I always think it is a smart move to first contact ... Read More »

    Was Going to File Bankruptcy But My Father Died Leaving Me Some Money. – Brenda

    Decision time

    “Dear Steve, I have 4 credit cards totaling $29,000. Need more reasonable payments and lower interest rate. I recently had to take a pay cut and had surgery with 6 wks unpaid and I am now between 60 and 90 days late. I had a lawyer and was going to apply for bankruptcy but now my father has passed and ... Read More »

      I Want to Sue World Law Group for Doing Nothing but Getting Me Sued by Discover. – Sherrie

      angry woman

      “Dear Steve, I was contacted by World Law Group 10 months ago when I was struggling to make payments on my credit cards as I was returning to school to obtain my masters Degree as a Family Nurse Practitioner. I was told that due to the reason for my pay being cut that i qualified for this offer due to ... Read More »

        Filed Bankruptcy to Avoid Eviction. Can I Get it Off My Credit Report? – Shawnale


        “Dear Steve, I followed expensive advice from attorney that I could stay and fight a no-reason eviction from an apartment I paid rent on time 2 years. I had grown attached and did a lot of maintenance there and was lead to believe I could stall moving out for months. I filed three months straight, allowing dismissal because I don’t ... Read More »

          I Need Immediate Help With My Wells Fargo Private Student Loan. – Jenny


          “Dear Steve, I need help IMMEDIATELY PLEASE! My mother had no knowledge of how to apply for a Wells Fargo loan and when they asked who the loan was for, she put my name, which somehow made me a cosigner. After I graduated they paid on this loan until they had to file for bankruptcy…for reasons not their doing… and ... Read More »

            The Primary Card Holder Died and We Kept Using the Card as Authorized Users. – Craig


            “Dear Steve, My wife’s mother died in 2006. My wife is an authorized user on one of her mother’s credit cards. We did not notify the credit card company of my wife’s mother’s death in 2006. We simply assumed the debt on the card, took over making payments on the card as agreed, and have even used the card on ... Read More »

              My Motorcycle Was Stolen and Insurance Didn’t Pay. – Kim


              “Dear Steve, I bought my first bike back in 2007. I was moving from the east coast of Florida to Gainesville so I went in to get the bike covered with insurance. This was my first time getting insurance by myself for anything, I was 19/20 at the time. My bike was stolen in Gainesville and when I make the ... Read More »

                If I Kill Myself Will Sallie Mae Take My Life Insurance Money to Pay the Student Loans? – Sam


                “Dear Steve, Took out student loans at 8.5 % interest rate in middle 90’s to enable me to get Bachelors degree to be a teacher, have been making payments off and on since depending upon if I could afford them or not. Have used up all forbearances, etc…options, and am currently in about month 6 of a year long income ... Read More »

                  How Does Advocate Credit Attorneys Work to Eliminate My Debt? – Richard

                  Drive Carefully

                  “Dear Steve, I have 8 credit cards that I would either like to combine payments(consolidate) to reduce my total monthly payments and also lower or reduce the monthly interest. Better yet, I would like to explore sometype of lump sum settlement with some of them at a lesser amount than is owed(cents on the dollar) to reduce my debts. Why, ... Read More »

                    Consumers Alliance Processing Wants Me Backdate Texas Agreement. Is That Legal?


                    “Dear Steve, 3 years ago I enrolled in Consumer Alliance Protection Processing management program. I’ve been paying regularly and have not had any failures on my end to pay monthly. Today I got a letter stating that they were sending me a “Updated Contract” approved by the state of Texas. They say “We are in the process of updating our ... Read More »

                      How Do I Take Care of The Two Old Debts on My Credit Report? – Alexandra

                      help woman

                      “Dear Steve, I used to have a Chase Credit Card for $500. I haven’t used it since 2008 and because of some problems and no money at that time couldn’t afford to pay it out ($331). Now I got stuck with this credit card reporting each month on my Credit history as a collection. Also I have a medical Collection ... Read More »

                        We Are Working Through Lloyd Ward to Resolve Our Debt But Have a Problem With CACH. – Melanie

                        closeup of a gavel on cash, from above

                        “Dear Steve, A few years ago, I maxxed out a credit card through HSBC Bank. Up until this past November, I had been paying $100 per month, as agreed to in a phone conversation with Midland Management. Even though I had requested several times for them to send me a copy of the debt owed and payment agreement, they never ... Read More »

                          American Express Says They Will Issued 1099-C Personally on Corporate Card. – Roger

                          credit card verification

                          “Dear Steve, I have a client that has a business card with American Express. It was totally used for business, a corporation. His business is in really bad shape. He, however, is the guarantor of the card. He would like to do a settlement however Amex says they will have to issue him a 1099C individually. My client protests as ... Read More »

                            My Father Died Recently. Is My Mother Responsible for His Credit Card Debt?

                            Isolated wings

                            “Dear Steve, Dad recently passed away. He had one credit card in his name, with mom as an authorized user. Balance on the card is approx 10K. They live in WA state, which is generally a community property state, however they legally disolved the community property agreement and all assets were put in moms name months ago in case she ... Read More »

                              We Have to File Bankruptcy Again. Will We Have a Problem With That?

                              Bankruptcy Road Sign

                              “Dear Steve, We filed chapter 7 bankruptcy 11 years ago and unfortuanatley or in the place where we need to file again. Do you know if the courts treat someone differently when they know you have discharged a Chptr. 7 bankruptcy previously? Laura” Dear Laura, It will not be a factor or concern. Don’t worry. There is no sense wasting ... Read More »

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