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Ask The Get Out of Debt Experts

I Paid Miller Law Group to Handle My Debt and I Got Sued. – Raul

aged latino man smiling at camera

“Dear Steve, I am a Latina who makes two in a radio ad here in Northern California on a debt reduction company to which I enrolled in a 19-month contract by paying the amount of 334.00 dls. by month companioa MILLER LAW GROUP called the address is 385 av lemon. # E 235 walnut ca. 91,789, they offered me a ... Read More »

    An 18 Year Old Hospital Debt Has Surfaced and NCO is Trying to Collect. – Ruth

    medical-bills

    “Dear Steve, I was hospitalized at a metro Atlanta hospital September, 1995. I did have a balance that my insurance carrier did not pay. The hospital had a “forgiveness policy” which was awarded to me. Now some 18years later NCO Financial Systems is trying to collect. How do I proceed. They to not understand. This hospital closed at least 15 ... Read More »

      My Work Has Been Cut in Half and My Health Makes it Tough to Work More to Repay My Debt. – Kimberly

      get out of debt

      “Dear Steve, I have unsecured credit card debt. Have been with a few different debt settlement companies who have gone bankrupt. Still am trying to pay off these bills. Is there a statue of limitation on collecting money owed on these? And what can they do to you? Since the economy has crashed my work has been cut in half ... Read More »

        We Feel We’ve Been Scammed by Caplan Law Group for a Loan Modification. – Delores

        SONY DSC

        “Dear Steve, HI STEVE , WE HIRED AN ATTORNEY OUT OF STATE TO SETTLE OR GUIDE US THROUGH A LOAN MODIFICATION WITH OUR LENDER. IT HAS BEEN 18 MONTHS AND 3 CHANGES IN OUR LENDER (IN LESS THAN A YEAR). WE PAID 3, OOO $ FOR THEM TO NEGOTIATE AND REPRESENT US IN A LOAN MODIFICATION. NOTHING HAS BEEN SETTLED ... Read More »

          Debt Restructure Group and Next Generation Debt Settlement Have Vanished on Me. – James

          radar

          “Dear Steve, I have been paying money to a company Called Debt Restructure Group/Next Generation Debt Settlement Since August 2011. 20 Truman Street Suite 109 Irvine California 92620. I come to find out that their phone number has been disconnected 18778070312 and their Internet Site is down. I have not one credit card company settle with these folks. I settled ... Read More »

            How Can We Get a Fraud Alert Removed From Our Credit Report? – Debra

            Rejected stamp

            “Dear Steve, Hello, we recently went for a mortgage after filing chapter 7 Bankruptcy about 7 years ago due to illness and job loss. We had lost a home 12 years prior to that when we filed bankruptcy and the last mortgage company (7 years ago) put a fraud alert on our credit report so now the mortgage co we ... Read More »

              I Left Dubai With Debt But Will Return. Will I Be Arrested? – Nepail

              UAE

              “Dear Jon, I left dubai for almost 3 years now and failed to come back and now i have a new job offer again in gulf country wanted to go back but i am worried i might have problems with my entry? Please can you confirm if a person having bank loan and credit card unpaid issues in UAE can ... Read More »

                Will I Go Before a Judge Before My Wages Are Garnished for Student Loans? – Rose

                College Tuition Expenses

                “Dear Steve, I filed for bankruptcy in 2009 and was discharged in June 2009. I owe approximately $60,000 in student loans that were all accrued before bankruptcy. Naturally, none of these were included in the bankruptcy. It took about 2 years to find gainful employment, and during that time I tried desperately to have my student loans put in forbearance. ... Read More »

                  Do You Trust ClearPoint to Get You Out of Debt? – Nancy

                  Elder Care

                  “Dear Steve, i’m a single disabled sick mom making only 1842 monthly on disability and in 2 yrs. i lose my son’s portion which will bring me down to an income of about 1200; i have a house with an 8.5 interest rate and about 28,000 in credit debt and some medical bills and ongoing health issues; i spoke with ... Read More »

                    Should I Go Ahead With the First National Bank Of Omaha’s First Solution Debt Program? – Earnest

                    loan-approved

                    “Dear Steve, I am also inquiring about the First National Bank Of Omaha’s First Solution Debt Program. I have good credit and income, homeowner and just refinanced my home and saving the same amount that the new payment will be. So i should be able to still put additional money into savings every month. I too have quite a bit ... Read More »

                      USAA Sent Me a 1099-C. Will This Help My Credit? – Andy

                      1099C

                      “Dear Steve, I had a credit card with USAA. I didn’t pay it and they cancelled the debt. It was for 5800 dollars. I was sent a form 1099-c and it drastically reduced my tax return. Will a cancellation of debt have any sort of positive effect on my credit? Andy” The Answer Dear Andy, A cancellation of debt will ... Read More »

                        How Do I Know if I Qualify for IRS Injured Spouse Status? – Caroline

                        IRS

                        “Dear Jim, I need to know if I qualify for an “Injured Spouse” form. Here is the situation: Me and my spouse got married when he was still in the navy. He then went AWOL for some years because I got pregnant, had the baby, and we did not have anyone to babysit her. He went AWOL to be the ... Read More »

                          National Advocacy Program Says They Can Save Our House From Foreclosure? – Sandra

                          Loan Modification Green Road Sign with dramatic clouds and sky.

                          “Dear Steve, bank is trying to forclose our house, worth 234000. and only owe 97000. no sale date yet, working with a lawyer trying to resolve, bank just gives the runaround. Received a letter from National Advocacy Program in CA, we are in PA. They are saying they can help us to get a settlement. IS this company leget? We ... Read More »

                            My College Related Debt Creates a Lot of Anxiety. – David

                            stressed man

                            “Dear Steve, During college I moved out with a friend, which went sour and I end up owing about $1,200 when I had to move out because she didn’t pay. Then my father, who had promised to help me with school went on disability and I couldn’t afford my apt and bills. After this I decided to continue on with ... Read More »

                              I Was an Authorized Credit Card User and Used It After the Cardholder Died. – Beverley

                              oops

                              “Dear Steve, About thirteen years ago, my Dad was living with us after my Mom passed away. He added me to his Citicard as an authorized user. I have used this card ever since and owe over $30K due to medical issues and too many other unfortunate issues down through the years. I have never been able to talk with ... Read More »

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