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Ask The Get Out of Debt Experts

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 “” 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


    “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


          “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


            “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


              “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


                  “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


                        “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 »

                          Credit Report Shows Me as an Authorized User on a Credit Card. – Kelly

                          Screen Shot 2013-03-12 at 4.24.02 PM

                          “Dear Steve, I have a relative that added my name to their credit card as an authorized person who can sign. The card is not in my name, no credit check was run, I am only listed as an authorized person who can sign if need be. However, I have now noticed that the credit card company has reported this ... Read More »

                            Is Suicide My Only Option to Get Out of Debt? – Raj


                            “Dear Steve, I’m in deep trouble and the only option left for me is Suicide. I just can’t think of anything to overcome the hassle I created by myself. Im so stupid that I trusted someone wholeheartedly broke me into pieces. I came to USA in 2009 on a F1 student visa , borrowed money from my family members for ... Read More »

                              I’m Retired and Wonder if I Should Use My Retirement Money to Pay Off Debt. – Karen

                              Financing a budget

                              “Dear Steve, I am a 62 year old single woman. I retired in June with a fixed PERS retirement pension and am also collecting my social security pension for a total of annual income of about $64,000. I have about $20,000 left in credit card debt that I have been paying down on a fixed debt reduction plan that I ... Read More »

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