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Ask The Get Out of Debt Experts

We Can Just Make Our Minimum Payments and Have Good Credit But Need Help. – Becky

couple working

“Dear Steve, My husband and I are in our late 30’s with 2 sons. We have $22k in debt, $10k personal loan and $12k credit cards. We make the minimum payments each month as that is all we can do and our credit scores are above 750. I look at all of the snowball theories and paying highest interest first ... Read More »

    Everest Institute Did Not Help Me Get a Job in Medical Billing and Coding. – Ashley

    Student Loan Corkboard Concept

    “Dear Steve, I went to Bryman Institute in 2007 for medical billing and coding. While I was there they changed the name to Everest Institute which was a red flag to me but I was already in the program for a while so there wasn’t much for me to do. I successfully completed the program and got a job at ... Read More »

      My Ex-Husband and I Consolidated Our Student Loans. I’m Still Paying. – Marie

      Divorce

      “Dear Steve, My ex-husband and I consolidated our student loans back in 2004. In our divorce in 2012, I am required to pay on the joint loans for 10 years then in reverts to him. He is currently paying individual loans of ours. He makes considerably more than I do (about $45,000/yr and I’m around $25,000/yr) and I am unable ... Read More »

        I’m 62 Years Old and Saving Hard for Retirement. What About Our Other Debt? – Michael

        retirement

        “Dear Steve, I am 62 yo, wife is 61 yo. Our combined stats: -We have $27k in credit card debt (0% interest, due to finding 12-18 month 0% promotional rates), -$200k home mortgage using a 5/5 arm at 2.75% which amounts to a $1000/month P&I payment–our property tax in NJ is $1000/month, -$400k in retirement savings–401k, ira, annuities mostly in ... Read More »

          My Friend Asked the Collection Company to Validate a Debt But They Are Still Contacting Them. – Edward

          404 error

          “Dear Steve, A friend of mine told me that after an 8+ year association with a cell phone carrier, when changing to another carrier, the prior said she owes @ $500.00. When contacting the carrier, she was told there was a change on her account in 2012 that made a “new agreement.” But this “change” could not be verified. Shortly ... Read More »

            We Can’t Sell Our Car Without a Smog Certification. – Ashley

            car broken

            “Dear Steve, Looking for some advice on an upside down car. My hubby and I have a 2004 honda crv. the car is actually “technically” paid off, we have the pink slip, however we have a regular loan through our credit union with a payment of $341/month and a total balance of $8,000. So its not a car loan, but ... Read More »

              Is There a Better Tool to Get Out of Debt Than the Debt Snowball? – Ginger

              change5

              “Dear Steve, I am 58, my husband 61. We presently have about $20000.00 in credit card debt. We are never late and have excellent credit so using a credit counseling agency is not a option. We are no longer using our credit card and are paying cash. That has been hard but we know what we needed to do. We ... Read More »

                Account Corp is Collecting a Debt From Me But Can’t Clarify the Balance Due. – John

                calculator

                “Dear Steve, Debt with R.C.Willey ,that due to emergency health situation ,it went to Acct Corp of Nevada as collection. Per Account Corp principal of debt was $8,881.48 , Contractual collection fees of $2,960.49 of which RCWilley has reduced to $2,018.52.contracual interest of $5,230.78 which there client R.C.Willy has agreed to reduce to 0. I have R.C.Willy’s transaction history on ... Read More »

                  Should I Get a Charge Off Removed From My Credit Report? – Defanso

                  credit good

                  “Dear Steve, My overall credit goes from fair to good depending on the credit agency, scores 686, 704, 708. For the past 2 years my payment history listed as 99.99% on time. I’ve paid off all of my credit card debt to $0, Only having my student loan & my mortgage outstanding. Only thing I see that is holding my ... Read More »

                    Nobody Can Tell Me Where My Money Went When the Johnson Law Group Went Out of Business. – Ashley

                    hiding

                    “Dear Steve, I was a client of the Johnson Law Group (Jonathan Rufus) 2009-end of 2010 early 2011. I had consolidated my credit card debt. They managed to pay off all but the ONE BIG ONE. They took out $400 from me monthly for 18months and never paid off the big one I asked them to negotiate. I now.. have ... Read More »

                      I’m a Disabled and Retired Police Officer With Debt. – James

                      past due envelope

                      “Dear Steve, I am now a 52 yr. old medically retired policeman. I have been retired for now two years, I always worked secondary security jobs as most police do, so I accumulated a lots of debt, vehicles, etc. I was claimed disabled for health reasons, and I had disability insurance on my vehicle. Now since I was forced to ... Read More »

                        Who Should I Use to Refinance Our House and Take Cash Out? – Chuck

                        Toolbelt-On-Handyman

                        “Dear Steve, Lost my job in 2008 in the building industry. Did not find a job till 2011. I used my 401k to pay bills down to where I could make minimum payments on credit cards & keep the house running on unemployment payments. The unemployment benefits ran out and so did my luck as far as keeping up with ... Read More »

                          I Have a Lien Against My House for an Old Debt. – Joanne

                          closeup of a gavel on cash, from above

                          “Dear Steve, I had a judgement from a credit card against me, I filed for chapter 13 , but the plan was dismissed early. I saw on my credit report that the judgement was there but the company never contacted me. My wages were never garnished etc While going through my paperwork I found a letter from the sheriff that ... Read More »

                            I Took Money From My IRA and Now Owe the IRS. I’m So Scared. – Angela

                            IRS

                            “Dear Steve, Hi. I’ve never had any problems or issues with the IRS until 2011. I resigned from a company that I worked for 11 years due to illness. I rolled over my 401k approx 60k to an IRA local bank. After recuperating, I was unable to get a job, unemployment was still high. Anyway, since I was renting, I ... Read More »

                              I Had to Withdraw From Law School Due to Illness. They Say I Owe Money. – Carol

                              It's all very odd.

                              “Dear Steve, Student Loan Debt: over $100,000.00 law school debt plus masters debt but no undergrad debt. Here’s one for you. I was studying for a Masters at a law school in so. cal. withdrew due to illness. They say I never withdrew and took the money for one class from student loan and the other class had private funding ... Read More »

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