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Ask The Get Out of Debt Experts

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 »

                          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 »

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