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Ask The Get Out of Debt Experts

Bank of America Sold My Debt to North Star. What Now? – Jane

contemplate

“Dear Steve, Bad credit due to financial hardship/reduction in my income. My Bank of America was charged off and sold to North Star last Feb. 28, 2013. North Star has called but I have not answered. My question is should I contact them and pay this debt or just not contact them at all. I want to work on getting ... Read More »

    Can I Take Action Against Coastal Debt Solutions? – Renee

    angry woman

    “Dear Steve, Problem with Coastal Debt Solutions in Florida when I signed up for their debt solutions program in April, 2010. I paid this firm $3200.00 plus over a 9 month period so I could get a Discover card debt (starting at $7700.00 some). However, due to Discover suing me in December for the then owed sum of $8,800. some, ... Read More »

      I’m a U.S. Citizen Living in the UK. If I File Bankruptcy in the U.S. Will it Hurt Me in the UK? – Amanda

      teacher

      “Dear Jon, I am a US citizen living in the UK for 4 yrs. I have no intention of returning to live in the US, and plan on applying for citizenship here. I have been paying 3 credit cards, a credit union car loan and a student loan in the US for the last 4 yrs. i have recently lost ... Read More »

        My Wife Signed Up With Student Loan Service.US and I’m Worried. – Michael

        puzzled looking little boy looking to the left

        “Dear Steve, I tweeted your account on twitter also. My wife and I have a good amount of student loan debt. She registered with a site she found online “studentloanservice.us” they are associated with “COASTALCREDITSOLUTIONS.COM” I cannot find any information about them. She gave them all of our banking information and they are set to charge our account on friday. ... Read More »

          I’m Horrible and Suck at Managing My Own Money. What Can I Do? – Jim

          robbery

          “Dear Steve, Situation * Tax Debt – $175,000 Credit Card Debt – $90,000 interest on top of those All I’ve wanted all my life is to have someone to manage my money and only give me what I could spend without repercussions. I’m awful with money and have gotten myself in so deep I don’t know how to get out. ... Read More »

            Facebook Advertisement Leads to Eyelash Product Scam. – Marina

            make up

            “Dear Steve, I’m 19 and I’m fairly new to the world of internet scams, so when I saw an add on facebook advertising an eyelash product I decided to give it a try. I submitted my information and waited for the email. It never came…so I used the site’s information to request a cancellation, I never heard back, never received ... Read More »

              My Student Loan Relief Wants to Charge Me a Monthly Fee. – Danna

              Magnifying Glass - Q&A

              “Dear Steve, I called a similar agency to get help with my student loans. Initially I received a litigation letter in regard to my private student loan. They were threatening to follow through thus garnishing my wages. Upon calling “My student loan relief” they asked for my FAFSA pin, I gave it to them, she accessed my information. She proceeded ... Read More »

                Back Property Taxes Building Up But Have a Chance to Work. – Linda

                chalkboard

                “Dear Steve, My disability income is $2200.00 per month. I am allowed to work without jeopardizing my disability income if the job pays less than 1000.00 per month. I just began looking for a part-time job. Should not be difficult since I have clerical skills and years of customer service experience. However, I have not worked since 2006. My credit ... Read More »

                  S Corp Line of Credit Backed by SBA Resulted in 1099-C From Chase. – Amanda

                  process

                  “Dear Jim, This is apparently yet another 1099C question :) For my S-corp business, I had a line of credit with a bank that changed loan terms after three years into a fixed loan. This loan was backed by SBA. I was unable to pay the new terms (and didnt actually understand that it was going to change) and tried ... Read More »

                    I’m Back on My Feet and Want to Start to Payoff My Old Debt. – Brandon

                    superhero

                    “Dear Paula, In Debt have not made any payment in the last 5 years or talk to any creditors about it. I Have a bout 40 grand in debt from about 5 years ago almost all credit card debt. I have some medical bills as well. I am back on my feet and starting to make good money. I feel ... Read More »

                      I Cosigned for a Private Student Loan and The Loan Has Gone Missing. – Jan

                      Woman in safari hat looking through binoculars

                      “Dear Steve, I cosigned a private school loan for someone, and upon being due she defaulted and I have been paying the payment now for about 1 1/2 years each month to the prior loan servicer AES. She never paid a payment, and has recently filed Chapter 13, and when I went into the AES site to make this month’s ... Read More »

                        Spent Through 401k Money But Can’t Afford Bills. Husband Unemployed. – Jan

                        stressed-woman

                        “Dear Steve, My husband lost his job about 4 years ago. We were in debt then and had started to make extra payments to try to get out of debt. With the loss of his income, I went back to just making minimum payments on everything. I took money out of my 401k just to help us pay bills on ... Read More »

                          I Could Not Afford My Credit Union Car Payment and Gave My Car Back

                          tow truck

                          “Dear Steve, I took out a car loan with my credit union and i had a hardship and they were able to lower my loan. However it was not lowered enough to satify my ability to afford the monthly payments. Therefore I contact the credit union for further help and they were unable to further lower my paynents. My payments ... Read More »

                            I’m a Disabled Mother Trying to Build Good Credit to Buy a Home. – Stacia

                            credit good

                            “Dear Steve, I’ve been reading through your page and am still unsure what I should do. I’m a single disabled mother of an epileptic 14yr old son, just diagnosed on 11/11/11, I have been on Disability since 07′ and for the most part have been doing an amazing job of just getting by. Recently I’ve been cleaning up my credit ... Read More »

                              I Owe on a Car But Would Like to Settle the Amount Owed. – James

                              garage

                              “Dear Steve, I purchased a $16,000 car in 2007. I put $6,000 cash down, less than 60 days after I signed the contract the car starts swaying really bad due to worn out bushings in the suspension. I contacted the dealership, got an estimate for the necessary repairs($1,800). The dealership refused to even cover a portion of the repairs stating ... Read More »

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