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Ask The Get Out of Debt Experts

I Want to Avoid Bankruptcy and Debt Settlement Companies Tell Me They Can Do That

questions

“Dear Steve, I have a credit card debt to the point were I cannot afford the minimum payments on most of my credit cards. The interest charges are also increasing the balances exponentially. I was approached by many credit card debt settlement companies. I tried a few to see if they could help me reduce my credit card debt and ... Read More »

    My Girlfriend Did Not File Her Taxes for Many Years. The IRS is Not Happy. – Brian

    IRS

    “Dear Jim, My girlfriend has not filed taxes for 2004-2011. When she filed for 2012, the IRS seized her refund and sent her a letter stating it was applied to previous tax debt. She has spoken to the IRS and they have determined she owes $80,000 for 2004-2007 but have given her 30 days to file returns for those years ... Read More »

      I Was Taken by a Tax Preparer That Was Not Legit. – Lucretia

      IRS

      “Dear Jim, I let a lady that I was told was a legit tax preparer. She filed my taxes for the past five years or so, as of last year the IRS states that I owe over $10k for not reporting my rental income 1099 I guess. I was told by my tax preparer that I did not have to ... Read More »

        Husband Laid Off and We Are Barely Making It. What Now? – Meredith

        Woman in safari hat looking through binoculars

        “Dear Steve, My husband got laid off from his job in November 2009 and has not found employment since and everything has fallen on me. We rent our apartment for the last 12 years and the monthly rent is $885.00. We have about $115,00.00 in debt. It is a mixture of Student Loans, Taxes, Credit Cards, and Payday Loans etc. ... Read More »

          I Never Want to Have Credit Cards Ever Again After Our Bankruptcy. – Denise

          mother and son

          “Dear Steve, In June 07′ my family moved back to Iowa from CA after my mother passed away, I used my inheirentence money to purchase a home on 5 acres. We remodeled the house and i had put the majority of my money with a local investor through the bank I had my mortage. To make my story short, the ... Read More »

            Rescue One Says I Am Pre-Qualified for a Loan. Is That a Scam? – Michael

            Drive Carefully

            “Dear Steve, I AM RETIRED LIVING MOSTLY ON SOCIAL SECURITY. I USE TO WORK PART TIME, 20 HOURS A WEEK, DO NOT ANYMORE. I HAVE AN RV, TRYING TO SELL HOUSE AND GO FULL TIME RVing. Mike I RECEIVED A FLYER IN THE MAIL THAT I AM PRE-QUALIFIED UP TO $45,000 WITH RESCUE ONE. (Fixed monthly payment) respond by March ... Read More »

              How Do I Get TitleMax to Give Me My Title After Bankruptcy?

              car broken

              “Dear Steve, About 4 years ago I received a title loan from title max during that repayment time I lost my job and came down with some health issue which caused me to default on the loan. In 2012 I decided to file bankruptcy chapter 7. Now the motor has gone out in the 2001 Nissan Altima and now there ... Read More »

                I Can’t Sleep Because I’m So Stressed Out About My Debt. – Bill

                future

                “Dear Steve, I live in Georgia. 50 years old, wife is 41, two boys age 14 and 11. Boys are special needs and attend private special needs school, tuition paid in full by my Mom. Own home with $133K left on loan balance. Equity is anywhere from $2K to $10K. Home prices have stabilized in my zip code but area ... Read More »

                  How Do I Know if I Qualify as an Innocent Spouse for the IRS? – Mindie

                  IRS

                  “Dear Jim, About 3 or so years ago, my husband was hit by a car while riding his motorcycle. He was not wearing a helmet, and sustained a brain injury, leaving him with short term memory loss, and various issues with his ability to comprehend things. Prior to the accident, he had lost his job of nearly 16 years, and ... Read More »

                    Should I Go With ClearPoint Credit Counseling or File Bankruptcy?

                    black-hole

                    “Dear Paula, I am at a crossroads with deciding between debt consolidation with a reputable lawyer in Manhattan, Clearpoint Consumer Credit Counseling, or taking a loan from Lending Club to resolve my debt. I realize I should have done something about this sooner but I always thought “things will change” – however, that’s not happening and I’ve finally come to ... Read More »

                      What’s the Best Way to Settle My Own Debt With Capital One & Discover? – Pablo

                      Handshake with Money Sign

                      “Dear Mchael, I wrote you earlier. You advised me well that I might want to try and settle with my creditors myself before going into bankruptcy proceedings. My current status is I am waiting to hear from my creditors. I also, as you suggested, followed up with Halo Debt Solutions. They said if I could discharge them in chapter 7, ... Read More »

                        I Live in Canada But Back in Debt Again. Help! – Lisa

                        monster under bed

                        “Dear Steve, Hi Steve, My bankruptcy drops off my credit report in June (my 7 years is up) but because of medical problems that my daughter and I have had in the last 3 years I have some bills in collections (none are credit cards) now and I am so afraid of this whole situation I can’t even tell you ... Read More »

                          I’m Trying to Get Back on My Feet After Cancer. – Lonnie

                          Cure the disease

                          “Dear Steve, I’ve had a hard to get back on my feet after cancer treatment. I’ve started to pay the little I can to creditots. I’ve secured credit through a credit union. Know I plan to get a secure loan of 1000 dollars, and pay over the choice of a year. If I able to get that far I may ... Read More »

                            I Left the United States Because of My Student Loan Debt. What Now? – Blair

                            flemish cow in the field

                            “Dear Steve, I earned a Master’s degree and spent a year on the job market before taking a job with the City of New York. It required said Master’s but didn’t pay enough for me to maintain a decent standard of living (a shared flat without rodents, a diet that didn’t consist of 50% instant noodles) while repaying my $130,000 ... Read More »

                              I’m in the Military. Can I Settle My Federal Student Loans? – Tony

                              Military

                              “Dear Steve, Received 2 federal loans total of $10200 and now owe over $25000. I am military.. The loans have been in forbearance and deferment for ever it seems.. Married 3 kids to take care of plus my mom lives with me and my wife’s brother who has early on set Alzheimer’s. I owe a little over $25000 on my ... Read More »

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