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Ask The Get Out of Debt Experts

I Would Gladly Pay to Delete My Negative Credit Report Entry

credit card verification

“Dear Steve, Chargeoff with closed Lowe’s credit card from 1/2011 they sold to Portfolio Recovery. Showing on Experian as CO from Lowe’s and Collection, paid less than in full from Portfolio. I negotiated payment with Portfolio but did it before knowing to ask for “pay for delete”. Disputed with BBB as junk debt buyer not authorized to list it…denied. I ... Read More »

    The Auction House Says They Will Hold Our Car for Two Days. Can They Do That? – Lorrie

    traffic

    “Dear Steve, Car was repo’d two weeks ago, owed just over $1000 to pay of our six year loan. Was not informed that the car was going to be taken until after it was gone. Paid off the amount plus fees, we now owe $0. The car was being held at an auction place the papers from the finance company ... Read More »

      My Credit Card Debt is Killing Me After My Divorce. – Clint

      Lifestyle choices.

      “Dear Steve, I have $50+/- credit card debt. Recently divorced. No other major debt.The financal stress contibuted to the divorce. I am living paycheck to paycheck. I would love to consolidate into one big loan and one monthly payment. I do not like the debt consolidation companies. Bankruptcy is a question as to whether it is the right thing to ... Read More »

        Should I Sell My House to Get Out of Debt? – Esperanza

        Woman in safari hat looking through binoculars

        “Dear Jon, I am a single mother of two. I bought a house for 150,000 almost two years ago. My monthly payment is 928. I owe 27,000 in credit cards. I am making minimum payments for 600 every month. I can’t do it any longer. My credit score is over 700. I am current on my payments. I live in ... Read More »

          Should We Get a Debt Consolidation Loan or Borrow From IRA to Payoff Credit Cards? – Christine

          money

          “Dear Steve, CC debt 20,000. Mortgage 39,000. Equity about 300,000. credit score under 500. marrried one income $51,000. 4 kids in college. Turned down from first bank for refinance with credit payoff. Currently spending about $700.00/month on CC payments. should we continue to try to get a loan or should we take the money out of our IRA and pay ... Read More »

            I am a Disabled Student on SSI. My School is Asking Me to Pay. – Devon

            past due envelope

            “Dear Steve, I am a disabled student. I am currently working on my Master’s. Some of my classes and financial aid has gotten messed up. Now 2 schools are making me pay for classes. The cost adds up to about $7000. I receive SSI and can barely afford my bills. Is there anyway I can try to fix this? I ... Read More »

              Will the Payday Loan Store Go After Me for Check Fraud? – Dave

              payday loan

              “Dear Steve, I had several payday loans that I took out on line.Each one was for $250.00. I payed on it for a while just the interest. I got in touch with a consolidation company that said they could help . They kept saying that they would help but they never did. I have made arrangments with 2 companies to ... Read More »

                I Have a Workers Compensation Claim and Can’t Work. Facing Eviction. – Sandra

                Screen Shot 2013-04-08 at 12.46.41 PM

                “Dear Steve, Ten months ago I developed a repititive use injury which is now an established workers compensation case. However the job to injury aspect has “not been proven” yet, and may take beyond a year to settle. I have not had a normal paycheck in 10 months and my job search continues to be difficult. All avenues for obtaining ... Read More »

                  I’m Thinking of Leaving the U.S. Because of My Sallie Mae Student Loans. – Sean

                  Student Loan Corkboard Concept

                  “Dear Steve, I have around 125k in private student loans. I was wondering if I flee the United States if the debt would follow me. I am looking at Canada, Abu Dhabi, Ireland, South Korea and New Zeland. Please help. I’ve tried everything with Sallie Mae and I’ve even tried the goverment with no help. Sean” Dear Sean, I’ve heard ... Read More »

                    Lloyd Ward & Associates Said They Settled Account But My Creditors Say No. – Diana

                    Lloyd Ward & Associates BBB F Rating

                    “Dear Steve, I was in debt and i chose Lloyd ward and associates about 3 years ago. i sent them aroung 9000.00 and they settle very few accounts. I ended up settling several of the accounts myself. i closed my accounts with them about 6 months ago. i am being sued by 2 of the accounts that i have papers ... Read More »

                      I Graduated from Trade School and Can’t Afford My Loans and Child Support. – Victor

                      mechanic

                      “Dear Steve, Struggled throught the last few years after attending a trade school which flooded the job market with similarly trained people so finding a job and maintaining my household became nearly impossible so I could not repay my student loans and defaulted on a few utility bills. All of which are now in collections. In total I owe $38,000 ... Read More »

                        My Husband Wants to Buy a New Harley Davidson Motorcycle But We Don’t Have the Money. – Nikki

                        motorcycle

                        “Dear Steve, I lost my job about a year and a half ago which made us go through a tough finincial situation. My husband already works 2 jobs and I felt bad asking him to work more while I tried to find another job so I just kept using the credit cards and not telling him about it. That got ... Read More »

                          Will the Title Loan Company Take My Car if My Payment is Late? – Natalie

                          auto title loans

                          “Dear Steve, Hello,I have a car title loan that is 2 days past due.The contract does state that if payment is not made or late your car can be taken.However there is a page in the contract that says there will be a penalty for late payments that are past 10 dsys.As I was told there are no grace period.I ... Read More »

                            How Can I Sue CCCS of Greater Atlanta and CredAbility? – Eve

                            help woman

                            “Dear Steve, In February 2009, I entered into a Debt Management Plan with CCCS of Greater Atlanta. I contacted CCCS of Greater Atlanta, now CredAbility, today and requested documentation of those six deposits and the disbursement of same. I received by e-mail a document indicating that $2,057.00 was received and $2,057.00 was disbursed to my creditors, however, further documentation provided ... Read More »

                              My Car Was Repossessed. Should I Just Let Them Sell It? – Astrid

                              tow truck

                              “Dear Steve, I recently had my car repo . Now they are charging me these crazy fees to get it back . I actually made the payment but my online banking payed it to my old car loan for my previous vehicle i was never notified my payment wasnt recieved. My payment was for two months worth. Im dont know ... Read More »

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