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Ask The Get Out of Debt Experts

Bank of America Charged Off My Account Even Though I Made a Payment. – Mac

Bank

“Dear Steve, Erroneous Chargeoff of Bank of America Credit Card $22,000.00 Bank of America gave me a deadline of 5PM 30 November to make a payment on my credit card or it would be charged off. I made the payment of $600.00 using Bank of America’s Online Billpay service on November 29, 2012. Because of an error in their system, ... Read More »

    I Was Hospitalized Without Insurance and Can’t Afford It. – Abril

    operation

    “Dear Steve, I am in so much debt and I have tried everything I could possibly think of but nothing is working. Please tell me what to do! Here’s my story. I’m a 20 y/o college student. A year ago (Feb. 2012) I got very very sick. I spent 3 weeks in the hospital quite literally fighting for my life. ... Read More »

      We Are Both Out of Work and About to Lose the House. Should We File Bankruptcy? – Maria

      qa7

      “Dear Steve, My husband loses his job as of this year in a couple weeks. Due to family illness, I lost my job 2 years ago. He is in his late 60’s & I am 60. Due to all foreclosures in my area, unable to sell house for what we owe. We would have to pay out almost 9-15k to ... Read More »

        Wells Fargo Did Not Reaffirm Our Mortgage in Our Bankruptcy. – Kenneth

        questions

        “Dear Steve, Me and my wife filed bk 7 in 2011 and some how Wells Fargo didn’t get reaffirmed our second mortgage with First Tennessee did get reaffirmend.I was trying to get refinance but wells fargo wont because we didn’t reaffirm.I applied with quicken loans and after apprisal the property is only worth 81000 and I wanted to borrow 80,000 ... Read More »

          I Should be Able to Get My Student Loans Forgiven But Can’t. – Dan

          Federal Student Aid Ombudsman

          “Dear Steve, Science teacher in a low income school. Have been teaching for 15 years. I took out two federal loans for undergrad 1991-1995and another for masters in 2002 – 2004. I have applied for teacher loan forgiveness and have been turned down because I never paid off my undergrad loan in full. It is not in default. Otherwise I ... Read More »

            United Financial Relief Wants to Sell Me California Debt Relief Program. – Karen

            surprise

            “Dear Steve, I am in the process of applying for California debt relief with United Financial Relief. I have about $16,000 in debt that my income can no longer manage. Are there any financial risks or obligations that I should be aware of, either now or in the future? Karen” The Answer Dear Karen, I didn’t even make it past ... Read More »

              US Council for Consumer Debt Relief Claims They Can Help Me. – Tracie

              Big Scam Dog

              “Dear Steve, I have constant mail about my finances as I have never contacted anyone. I recieved a letter from U. S. Council for Consumer Debt Relief saying I had qualified to participate in this Mon Profit 501c-3 creditor sponsored program. It says they are not affiliated with debt settlement and NO COST to enroll 888-593-6097. Says they will decrease ... Read More »

                Can My Creditors Garnish My Assets in Texas? – Mary

                closeup of a gavel on cash, from above

                “Dear Steve, I have not paid my credit card payments for over 5 months due to the recession. I cannot afford to restructure them at this time because I am under employed and expect to be so forever due to my age. I live in Texas. Can one or all of the credit card companies garnish all or any part ... Read More »

                  My Merchant Account is Getting Lots of Charge Backs Because of My Fulfillment People. – Hendi

                  warehouse and worker

                  “Dear Steve, Doing joint venture with some people and now they don’t fulfill the clients order, ending up giving a charge-backs to my merchant account under my company name. Thank you for having some time to read this and respond to my questions. So my questions is do I have rights to file this to a debt collectors and try ... Read More »

                    My Son Was an Authorized User on My Credit Cards and I Filed Bankruptcy. – Betty

                    credit good

                    “Dear Steve, I am a Mother with a recent Chapter 7 Bankruptcy. I put my sons name on 2 of my credit cards as an authorized user in case of an emergency and actually forgot about it …. he never used either card. Now he has those 2 cards listed as Bankruptcy on his “very clean” credit report. He could ... Read More »

                      I’m Drowning in Student Loans Over My Head. – Thomas

                      Drowning swimmer

                      “Dear Steve, I have a huge student loan debt that I can’t seem to make head way on. I have a $100,000 is federal loans that have been consolidated with Direct loans and are now with Sallie Mae and $15,000 in private loans. My private loans i can handle making $124 a month payments. My federal is what is killing ... Read More »

                        We Would Love to Get a Debt Consolidation Loan to Pay Off Credit Card Debt. – Laura

                        loan-approved

                        “Dear Steve, We have a lot of credit card debt due to losing almost a year in income to care for an ill family member. We own our home. We have zero late(s) on anything – all debts current and paid on time. We short saled a home in 2009 and do not owe a balance. We’re both employed and ... Read More »

                          I Want to Charge Dominic DeSandro of Freedom Financial With Theft. – Phil

                          White Collar Criminal

                          “Dear Steve, I too am a client of Freedom Financial (www.christiandebtlaw.com) . I made monthly payments via bank draft for about 3 years to a “savings” account that Freedom Financial set up for paying settlements. Freedom Financial initially paid 2 of my accounts just as they said they would, then they haven’t paid anything since. I am no longer sending ... Read More »

                            Will I Have a UK Police Record for Not Paying My Mobile Phone Bill? – Salman

                            uk

                            “Dear Jon, I owe a particular phone company around 1600 and haven’t paid anything to them in a year . I am wondering that would an unpaid phone bill of £1600 would result into a UK police record if not paid over a period of 1 year ? Or its just civil law ? Salman” Salman, An unpaid phone bill, ... Read More »

                              What is the Best Way to Settle My Student Loans With National Enterprise Collections? – Tina

                              Drive Carefully

                              “Dear Steve, I have many loans from school but one that was originally 9,000 that has had an unafforable payment for me of 208 dollars for over a year i have sent them a paymeny of 50 dollars in good faith. Of course that didnt help and i went into default and have recently been sent to national enterprise collections. ... Read More »

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