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Ask The Get Out of Debt Experts

Sallie Mae Can’t Clarify Who is Really Responsible for My Student Loan. – Michele

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“Dear Steve, I was married and stupid enough to consolidate my 4% student loan with my now ex’s 11% student loans. Because I had over a 700 credit I became the primary. We are now divorced and the decree indicates for my ex to pay towards the monthly payment. That never happen! I paid the entire amount for 6 months ... Read More »

    I Was Working With New Horizon to Settle My Debt. Can I Do It Myself? – Joann

    black-hole

    “Dear Steve, I am working with a debt relief companyNew Horizon out of Florida. One of the credit card companies offerd me by mail a great payoff much less than I owe.Can I work independently to pay this off? Their contract is a bit threatening about they only dealing my credit issue. Can I pay off that account on my ... Read More »

      I Signed Up With Credit Advocates Group. Has Anyone Had Luck With Them? – Debbie

      Question Theme

      “Dear Steve, Have alot of debt, was not behind on anything until this last month when I signed with this company. about 22,000 I recently signed up with a group called Credit Advocates Group out of Tamarac, Florida. I’m now concerned that they are not going to do what they say. I cannot find anything good on this company.. Do ... Read More »

        I Went With Freedom Debt Relief and World Law Debt But Got Sued. – Kara

        tired working woman

        “Dear Steve, I made 2 huge mistakes regarding my credit. The first one was to call and find out about debt settlement companies. I had about $32,000 in credit card debt mostly from financing 2 direct selling businesses that went nowhere except in debt. I am working full-time as an RN in a hospital setting and was making payments on ... Read More »

          I Went With Thomassen Law Group But Afraid I Made the Wrong Decision. – Judie

          heart

          “Dear Steve, I have credit card debt and lost my job and then my husband lost his job. He had 2 heart attacks and cannot find a job. I contacted Thomassen Law Group and I thought I understood their process, but I am not sure now. They have been taking app. $600 a month out of my checking and put ... Read More »

            We Are Currently in a Chapter 13 Bankruptcy. Where Can We Get a Loan? – Sherri

            Magnifying Glass - Q&A

            “Dear Steve, I applied for bankruptcy in Summer of 2011. I am wondering if it is possible to obtain a loan while you are currently in bankruptcy? My husband and I would like to do some work on our home and he will need a new vehicle very soon. The car he currently drives is in the bankruptcy proceedings, but ... Read More »

              I’m Scared, Engaged, Pregnant and Terrified. – Alex

              Sleepless woman

              “Dear Steve, I got married in Sept 201 and unfortunately he ended up being the wrong person and abusive. I am still in the process of getting divorced. I racked up around 30k in credit card debt from the wedding and now for paying household and dily expenses on one income. I am living in the house which is still ... Read More »

                My Citi Debt Was Split Between Two Debt Collectors. – Max

                mysterious

                “Dear Steve, I’m back again. This time I talked to Citi about getting a higher limit because they offered me 18 months of no APR again on the same account. They said no because I had an account in collections. What do you do when you hear this? You freak out. Was my ID stolen? Did I forget something I ... Read More »

                  I Got a 1099-C and My CPA Says I Have to Pay Taxes On It

                  1099C

                  “Dear Steve, I’m confused now. I just had 1099-c sent that canceled out 51,000.00 of debt (30,000.00) from one creditor who never even called me, or sent nasty emails. The rest was the balance from other cards I settled for much lesser. I just went to my cpa and found out I owe 19,000.00 in taxes to the irs for ... Read More »

                    As an Employer Do I Really Have to Garnish My Employees Wages for a Student Loan Debt? – Mike

                    money

                    “Dear Steve, Just received an Order of Withholding From Earnings for one of our employees, from ECMC in regards to student loans the employee apparently defaulted on. There is reference to Federal Law and threat to the Employer if we don’t granigh 15% of the employee’s wages. I’m not familiar with this Company and their rights to do this. Can ... Read More »

                      I Do Not Want to File Bankruptcy and Want to Avoid Credit Cards Forever. – Carin

                      process

                      “Dear Steve, I am a high school teacher-same school 24 years. We had a house fire 4 years ago, fought insurance company, ran up credit cards, then paid them all off. Then my husband’s job was disappeared; found a new one-not paid; now fighting the owner for non payment, looking for another. Credit cards maxed out. I want to pay ... Read More »

                        Is Resolution Law Group a Scam? We Are Thinking of Using Them. – Kersandra

                        detective

                        “Dear Steve, Mortgage issues: We recently refinanced with Sunbtrust Mortgage and is their a bank we can refinance our 2nd Martgage because Suntrust say the 2nd is with a private investor and will not refinance. My husband and I contacted the Resolution Law Group, P.C. of Greenwich, CT through one of their advertisement. My question is: is this a legitiment ... Read More »

                          Will I Be Able to Buy a Car After Bankruptcy? – Gina

                          buying car

                          “Dear Steve, I am in the process of filing it will take place soon as I am done paying off attorneys fees , This is for a chapter 7..I got sick back in 08 and was unable to pay my credit cards ..so since then there are huge interest fees attached..and everything is in collections… I will want to buy ... Read More »

                            My Husband is a Poor Money Manager and We Never Get Ahead. – Anne

                            contemplate

                            “Dear Steve, My husband and I have been together for 30 years. We have poor money management skills even though our combined income is about $105K we never seem to have enough money available to pay or living expenses in total each month. I have always made more than my husband and have I’ve never been unemployed where he has ... Read More »

                              Social Security is Garnishing My Benefits for an Old SBA Loan. What Can I Do? – Berhan

                              In God We Trust

                              “Dear Steve, I will turn 70 in 45 days. After I lost my business and employment I am leaving on a fixed income that I draw from SS and my wife’s earnings. My company defaulted on $48,000 SBA loan that I am a guarantor. My social security payment has been deduced By 15% ($225.30 per month) to pay the SBA ... Read More »

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