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Ask The Get Out of Debt Experts

I Wrote You When You Were the Debt Coach on the TV Show Starting Over. – Sari

Working At Home 6

“Dear Steve, I am not sure if you are the same Steve Rhode I wrote to about 7 years ago. I heard about you on the TV show Starting Over, with Rhonda Britten. I wrote to you asking advice on how to get out of the large debt we had from attempting to start our own business, while also experiencing ... Read More »

    Quicken Loans Keeps Calling Me After Turning Us Down. – Jeffrey

    husband wife

    “Dear Steve, We have an upside down mortgage. In order to make mortgage payments we pretty much maxed the credit cards. We were told by Bank of America the only reason we did not qualify for HARP was b/c we were 30 days late paying June 2012’s mortgage. They told us that since we did not have any other lates ... Read More »

      I Was Homeless and an Alcoholic and Have Some Debt. – John

      man - elderly

      “Dear Steve, I was homeless for a long time & had a drinking problem iv gone through some programs in one now that helps with rent. im 65 & on a fixed income of 730.a mo. letters say i owe 900 to a co. down so. i know theres more cant get a debt list. an dont know how i ... Read More »

        Where Can I Find a Legitimate Mortgage Modification Company? – Michael

        Loan Modification Green Road Sign with dramatic clouds and sky.

        “Dear Steve, Can you recommend a legitimate Loan Modification company anywhere in New jersey? All I hear are horror stories about these types of companies, and dealing with the bank directly is a joke. Any recommendation would be appreciated. Thank you, Michael” Dear Michael, The key point to remember is that no bank is required to modify any loan if ... Read More »

          I Entered a Debt Settlement Program With Consumer Law Associates. Chase Won’t Settle. – Mojo


          “Dear Jared, I made a mistake plain and simple by listening to a debt settlement company (Consumer Law Associates). In 2010 they told me they could settle my credit cards including Chase. To their credit they settled 3 out of the 4 (Chase being the only one left). But from what I am seeing online it does not look like ... Read More »

            My Debt Settlement Company Went Out of Business. What Now? – Edward


            “Dear Steve, I started with Debt Relief Center (25 Crossroads Dr. Ste 404 Ownings Mills, MD 877-740-2111 and 866-3724 in August 2010. A creditor (Sunrise Credit Services) was threatening legal action if I didn’t pay full amount ($10,500) immediately. I never was in this position before and I didn’t want to declare bankruptcy nor be sued. Then a friend ... Read More »

              How Do I Get Out of My DirectBuy Contract. I’m in a Financial Hardship.

              couple working

              “Dear Steve, Some time ago you wrote to Rosie about Direct Buy. I am in a very similar boat. Fell into financial hardship and can no longer pay this. I found out that they don’t report to the bureau, but after reading this they will send you to collections. Could you expound on exactly what should be listed in the ... Read More »

                Student Consulting Group / Fix My Student Loan – Review. Are They a Scam?

                SCG Home (20130307)

                Company Name Student Consulting Group Marketing Message “It would be great if I had some extra cash right now.” Who hasn’t said that more than once? I sure have. Whether it was to pay for a nice dinner, to go on a vacation, or to just buy something I wanted. It really hurts doubly when you say that and you ... Read More »

                  How Far Behind Do I Need to Be to File Bankruptcy? – Jay

                  middle age couple

                  “Dear Steve, Live in Colorado, it’s the usual situation where there have been cut backs at work (outsourcing rrrr) and we are we will begin to fall short on CC payments by our calculations. We estimate maybe $ 200 probably depending on the sequester and barring other fun surprises and stuff. I much do you have to be short a ... Read More »

                    My Car Was Repossessed in New Jersey Without Notice. Can TD Bank Do That? – Kayla

                    tow truck

                    “Dear Steve, My info is a little long but I really hope you can help: My vehicle was repossessed in the state of New Jersey. I had no idea that the bank was going to, or were even thinking about taking my vehicle. However, I did experience financial difficulties and couldn’t make my payments on time. I was in CONSTANT ... Read More »

                      I Didn’t File Tax Returns for 10 Years. What Do I Do Now?

                      afraid alone

                      “Dear Jim, I am embarrassed and ashamed that I’m stuck in my current situation, but in a nutshell here it is: The last time I filed a tax return was roughly ten years ago. Prior to that, I had an amazing job, owned my home, and was moving toward getting married. Then everything fell apart. I lost my job due ... Read More »

                        How Do I Get Release as a Cosigner From My Student Loans With My Ex-Wife. – Bill


                        “Dear Steve, My previous wife and I have a consolidated loan with Direct Loan Services. When I log in it shows loan A which is mine for about 39,000 and then loan B which is hers for about 13,000. I have been paying the monthly payment on it since they keep sending me the statments on it. When I call ... Read More »

                          My Bank of America Mortgage Modification is a Joke. – Susan

                          Real Estate Concept

                          “Dear Steve, Proposed Loan Modification-Only 17 dollars less than my original mortgage. Why? I have been trying to get a loan modification with Bank of America for 4 years now. I kept getting the run around and it seemed every time I called I got the same old story-the paperwork has expired and must be resubmitted. I went through this ... Read More »

                            My Bank is Stringing Me Alone to Modify My Mortgage in HARP. – Maryanne

                            Loan Modification Green Road Sign with dramatic clouds and sky.

                            “Dear Steve, We have a fannie mae loan that is serviced by Bank of America. Last year when we realized we were not going to continue with payments we contacted the bank and filled out a modification form. We were turned down because our loan was not imminent. We were then told by our customer service rep that we might ... Read More »

                              Portfolio Recovery Associates Sued My Wife on Disability. – Frank

                              closeup of a gavel on cash, from above

                              “Dear Steve, My wife and I both became disabled and she had to go on Social Security Disability in 2008 and I had to go on Retirement/Disability from the US Department of Defense Civil Service in 2004. Needless to say our incomes dropped substantially and we could no longer afford our credit card debts. My wife received a letter from ... Read More »

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