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Ask The Get Out of Debt Experts

I’ve Heard I Can Discharge My Private Student Loans in Bankruptcy. Is That Rue? – Jennifer

calculator

“Dear Steve, I have about $13,000 in credit card debt (minimum payments of $150 total), $17,000 left of my car loan (which I’m current on my monthly pmts – $465/month), and a total of $180,000 in student loans, of which $72,000 is federal (which I’m currently on Income Based Plan of $30/month – they at least work with you) and ... Read More »

    I’m Only Going to Live on Cash and I Don’t Care About My Credit Score. – Lee

    Debt is a scrape, not a mortal wound.

    “Dear Steve, If I had the money to settle ,then why would I not just pay the debt? Seems to me it would have a two fold effect 1 would not have to deal with those damn phone calls. 2 would not need to worry about credit score. I don’t worry about anyway, cause I do not plan on buying ... Read More »

      How Can Debt Validation of America Just Steal My Money? – Shelia

      Big Bad Burglar

      “Dear Steve, I started with My Choice Debt Management in 2009, that turned into Debt Validation of America shortly thereafter and later it hired THE FIRM PLLC to do their legal work after they realized they were not operating legally. I paid $1471/month in to an escrow account for 2 years for a total of $35,325 total (of course a ... Read More »

        Comcast Claims We Didn’t Return a Cable Box Six Years Ago. Now What? – Sheryl

        pain

        “Dear Steve, I was a comcast customer Years ago. I returned all of my gear and i just received a bill for almost $1100. They are saying that I did not turn in my gear. Remote Control and Cable Box. It has been almost 6 years since I canceled my service with them. This is crazy. It is going to ... Read More »

          My No Good Ex-Husband is in Jail But Forged My Name to Loans. – Amber

          mans hands behind bars in jail or prison

          “Dear Steve, My husband and I recently divorced, and I was able to keep the house. While we were married, we got a joint credit card, and also shared a bank account. I was eager to build good credit since I had filed bankruptcy just a couple years before. Unfortunately, my ex-husband had severe substance abuse problems he was able ... Read More »

            Would it Make Sense to Try and Negotiate With Wells Fargo on My Home Equity Line of Credit? – Jessy

            footstep

            “Dear Steve, I have a newly refinanced mortgage of $330,300.00 at 4.125%; It was previously with GMAC and now with a company I’ve never heard of before – OCWEN (for about a month it was with Green Tree – I guess both OCWEN and Green Tree took over from bankrupted GMAC). I have a second Mortgage – Home Line of ... Read More »

              Should I Stop My Payments if I’m Going to File Chapter 7 Bankruptcy? – Mandy

              Gratuitous use of a cute dog running picture.

              “Dear Steve, I’m over 19,000 in debt and am considering on chapter 7 bankruptcy…. I’d like to know can I stop all payments and if so, will I lose my car, which I need? And will I have to pay an attorney up front? Mandy” Dear Mandy, You should not do anything without first meeting with a local bankruptcy attorney ... Read More »

                Getting Ready to Buy a House and an Old Debt Has Resurfaced. – Sara

                "Credit rating" handwritten with white chalk on a blackboard

                “Dear Steve, I have recently cleaned up my credit report as I’m getting ready to buy a house. I was contacted by a third party collection agency to pay an old written-off debt to a bank from 2005. I live in WA state. Isn’t the statute of limitations up on this debt? Do I still have to pay? Do I ... Read More »

                  My Bipolar Boyfriend Killed Himself But Ran Up My Debt Before. – Bonnie

                  Isolated wings

                  “Dear Steve, My boyfriend was living with me and about 1 week before it was to be our one year, he committed suicide. He survived for two years in a vegative state. He passed away 2 years ago and I am stuck paying his debt that he racked up on my credit card, by buying tools and then pawning them ... Read More »

                    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” 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 the mailer ... 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 »

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