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Ask The Get Out of Debt Experts

Good Shepherd Debt Relief is Taking Our Money But Won’t Help. – Tim

oops

“Dear Steve, We have been sending money to Good Shepherd for a few years now and they have actually helped us clear two of our debts. But we two more and I cannot get anyone to answer the phone or return an email. We now have one of those debts that has gone to court and we are being sued. ... Read More »

    Sallie Mae Won’t Work With Us to Repay Our Student Loans. – Cathy

    College Tuition Expenses

    “Dear Steve, My daughter has private student loans with Sallie Mae which have been consolidated to one BIG LOAN. My daughter started her first year of college at SVA in Manhattan. At the end of her first year at school my husband was diagnosed with an incurable cancer. We didn’t want to pull her out of school. She was so ... Read More »

      I Can’t Pay GE Money and They Won’t Work With Me. – Bonnie

      change

      “Dear Steve, In the last 2 years I underwent divorce and health issues. I am disabled and live on Social Security Disability. I have no other income, nothing of value. I finally was able to get subsidized housing. I took out a “loan” for furniture $1,600. Turned out to be a high interest rate credit card with GE Money. I ... Read More »

        What Do You Know About Credence Law Group? – Gary

        radar

        “Dear Steve, Filed bankruptcy… trying to keep my home with a modofied mortgage .. responded to Credence Law Group mailing … What do you know if anything regarding Credence Law Group? Gary” The Answer Dear Gary, My radar is up when it comes to Credence Law Group. There are a number of warning signs that have me concerned. Please upload ... Read More »

          How Can I Create a Budget When My Income Fluctuates? – Willy

          Variable Budget

          “Dear Steve, Hi Steve, I’ve read both your books, The Beach Misses You and Eliminate Your Debt Like a Pro. I am a realtor who gets paid on commission only. How can you have a budget when you are a realtor and you get paid on commission? You may have a good month and in that month you are playing ... Read More »

            I Took a UK Payday Loan I Can’t Pay. – Tom

            uk

            “Dear Jon, I was in debt i took a 500 pound loan from firm http://www.emonthloans.co.uk/ and unable to pay on time.. I too the loan of 500 from a firm and unable to pay it on time, the APR rate is 1734% so just i want to know what exactly will be the amount i have to pay.. Tom” Tom, ... Read More »

              I’ve Been Using Credit Cards to Help Make Ends Meet. Robbing Peter to Pay Paul. – Esperanza

              change5

              “Dear Steve, My monthly income after taxes is 1,700. Mortgage payment is 928( It includes insurance and taxes. It is not enough to cover my expenses, I don’t, eat out. No movies. Home to work, No cable. Only internet. The equity in the house is 24,000. If I sell it I can get 15,000. Renting will be the same as ... Read More »

                I Owe a Lot of Money in Hong Kong for Cancer Treatment. I Want to Avoid Bankruptcy. – Yogi

                asian dragon

                “Dear Steve, I unfortunately was diagnosed with cancer couple of years ago. Due to such unexpected illness, I incurred more than a million HKD debt to cover my medical bills. I am currently working but not enough to cover my debt. I’m still not fully recovered so I’m not sure if I can keep the payments. I dont’t want to ... Read More »

                  The Law Office of Michael K. Sipes That Owns My Debt Refuses to Negotiate a Settlement. – Dave

                  closeup of a gavel on cash, from above

                  I asked Michael Bovee, a debt settlement expert, to answer your question on my behalf. Here is Michael had to say. “Dear Mchael, The “Law Offices” of Michael K Sipes (in Elk Grove, CA) bought an unpaid credit card debt of mine. The balance was around $4000 when it was charged off. The court awarded a judgment, totaling about $5000, ... Read More »

                    I Bought a Small Business. How Do I Get a Business Credit Card? – Eve

                    stolen idea

                    “Dear Steve, I recently bought a small business that my father established before his death about a year ago. The business consists of intellectual property (music he composed, books he wrote, a piano teaching method, and audio CD’s to accompany same) created and marketed solely by my father. For the past year since my father’s death, my brother has “unofficially” ... Read More »

                      What Can I Do When a Creditor Seizes My Checking Account? – Delonte

                      Bank

                      “Dear Steve, i owed a creditor but fell on financial hard times and could not keep up with the payments. The account eventually went into default. In an attempt to recover the funds, the creditor gained access to my account and froze all activities attached to it. what can i do when a creditor freezes my account and my paycheck ... Read More »

                        How Can I Get My Wells Fargo Student Loan Out of Default? – Melena

                        debt

                        “Dear Steve, I have about 10,000 in student loans. I have two loans, one through Great Lakes and another through Wells Fargo. Because of some medical issues with my daughter last year my finances were challenged and my loan through Wells Fargo went into default (that loan amount is around $7,000. I have received a collections letter. Though my finances ... Read More »

                          I Would Gladly Pay to Delete My Negative Credit Report Entry

                          credit card verification

                          “Dear Steve, Chargeoff with closed Lowe’s credit card from 1/2011 they sold to Portfolio Recovery. Showing on Experian as CO from Lowe’s and Collection, paid less than in full from Portfolio. I negotiated payment with Portfolio but did it before knowing to ask for “pay for delete”. Disputed with BBB as junk debt buyer not authorized to list it…denied. I ... Read More »

                            The Auction House Says They Will Hold Our Car for Two Days. Can They Do That? – Lorrie

                            traffic

                            “Dear Steve, Car was repo’d two weeks ago, owed just over $1000 to pay of our six year loan. Was not informed that the car was going to be taken until after it was gone. Paid off the amount plus fees, we now owe $0. The car was being held at an auction place the papers from the finance company ... Read More »

                              My Credit Card Debt is Killing Me After My Divorce. – Clint

                              Lifestyle choices.

                              “Dear Steve, I have $50+/- credit card debt. Recently divorced. No other major debt.The financal stress contibuted to the divorce. I am living paycheck to paycheck. I would love to consolidate into one big loan and one monthly payment. I do not like the debt consolidation companies. Bankruptcy is a question as to whether it is the right thing to ... Read More »

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