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Ask The Get Out of Debt Experts

Will I Be Caught at the Airport When I Return to the UK for My Internet Bill?

983041-police-crime-scene

“Dear Jon, I was student in UK back in 2005-2006. I had a credit card (Nat West bank) and had good history by paying my full debt regularly for almost 3 years. By the end of 2007 I had some bad time and got my self in debt for less than 300-500 pounds (cant remember exactly). Same thing with BT, ... Read More »

    I’m a UK Citizen and Living in the U.S. Can I Go Bankrupt?

    couple working

    “Dear Jon, I am a UK citizen, having resided in US now for about a year. I have moved here following my job, but recently was made redundant. I have debt in UK with regards to credit cards and student loan totaling approx. £25,000. I have struggled paying the monthly amounts now for a few months and am now in ... Read More »

      Will My UK County Court Judgment Impact My Citizenship Application?

      uk

      “Dear Jon, Hi! I was living in UK for about 3 yrs and was back to my home country in 2013. I had a few unplanned overdrafts and a mobile contract on my name which i ignored paying since i hardly had anything with me. Now, I am married to a UK citizen and expecting to move UK in 2015. ... Read More »

        NJClass and Nelnet Will Ruin Our Marriage and Lives

        fear is a prison

        “Dear Steve, My fiancé has a ridiculous amount of student loan debt. He attended Felician College in Lodi, New Jersey, a private school and has $140,000 in student loan debt from two lenders: NJClass/HESSA and Nelnet. The payment from HESSA is $900/month and the one for Nelnet is $600/month. HESSA is impossible to deal with as it is a private ... Read More »

          Should We File Taxes as Married Joint or Married Separate?

          Strangest-Taxes-and-Deductions1

          “Dear Steve, I have graduate degree loans totaling close to $70K now w/interest that I have been paying since 2001. I have been paying a reduced rate ($20/mo) on them for some years now because I haven’t been able to work since our first child was born 10yrs ago. My husband also has sizable graduate loans of about $90K, but ... Read More »

            Should We Rent or Buy a House?

            transunion_creditvision

            “Dear Steve, My wife and I are new to the area and wondering if we should jump right in and buy a house or rent. I hate to rent because I think we are throwing our money away. What do you think? David” Dear David, I can certainly understand the idea of pride of ownership and the desire to buy ... Read More »

              My Degree Isn’t Worth the Tuition I Paid With Massive Student Loans

              stressed-woman

              “Dear Steve, I’m not really sure that there is a solution to my issue but you seem to know about student loans so thought I would run it by you. Back in 2007 I wanted to go to school to get into the graphic and web design industry. At the time I was working full time so was exploring online ... Read More »

                How Can We Really Get Out of Debt?

                No problem

                Question: What is the Secret to Getting Out of Debt? Dear Steve, My husband and I have been limping along just breaking even for sometime now just trying to dig ourselves out of debt and save money. We’ve cut everything back to the minimum and have to constantly tell our kids to do without. I can’t even afford for them ... Read More »

                  Will I Be Arrested at a UK Airport if I Have Debt?

                  Uk Law

                  “Dear Jon, I left the UK in 2008 under a cloud, a lot of things had gone wrong for me. Among them was debt. I had taken a job for Swindon council who promised to refund my moving expenses during the application process but when I turned up with the bills played dumb and denied any responsibility. So I borrowed ... Read More »

                    How to Call Your Bank and Negotiate Credit Card Debt Yourself

                    Bank

                    If you have been following the early tips I suggest for how to negotiate and settle directly with your credit card bank, you have already had several “just calling to keep you posted” conversations with your bank (I recommend you call your lender once a month, or every several weeks, up to month 5 of being late with payments). If ... Read More »

                      Want to Settle Discover Credit Card Sending Dispute and Debt Validation

                      cathackgmail

                      This post was inspired by my comment exchange with a site reader about negotiating a settlement with a Discover credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the ... Read More »

                        Can I Just Start College Over and Forget My Old Transcript?

                        Woman in home office with computer and paperwork frowning

                        “Dear Steve, I went to the Art Institute as soon as I graduated high school, I had financial issues there. They said I was behind 7 payments with the school (but even until this day that doesn’t make any sense to me, because if I was behind even one I should have been notified.) so they said I had to ... Read More »

                          Can My Wife With the Boston Public School System Have Her Student Loans Forgiven?

                          Check This Out_pri

                          “Dear Steve, My wife works in the Boston public school system. has for 10+ years. she has ~$95K in student loans. I thought she should qualify for debt relief since she works in the school system. Unfortunately, they look at our joint income, which puts us out of contention. Their formula doesn’t account for all the expenses we incur with ... Read More »

                            Will Wyndham Capital Cove Force Us Into Bankruptcy?

                            middle age couple

                            “Dear Steve, My wife and I purchased a time-share at Capital Cove thru Wyndham near Washington, D.C. During a follow-up session my wife and I were told we had to upgrade or we would not be able to keep our perks of being VIPs in the company. After several attempts to make reservations, 10 months out, and not being able ... Read More »

                              My Life is Hopeless. I Can’t Pay My Bills. What Can I Do?

                              Avoid Bankruptcy Monster

                              Question: I Can’t Pay My Bills. What Can I Do? Dear Steve, I’m so completely freaked out about my bills. I’m now so in debt and worried about it I can’t sleep, I’m depressed, and all my wife and I do is fight about money. I’m constantly telling my kids they can’t participate in any school events because I can’t ... Read More »

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