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Ask The Get Out of Debt Experts

United Financial Relief Wants to Sell Me California Debt Relief Program. – Karen

surprise

“Dear Steve, I am in the process of applying for California debt relief with United Financial Relief. I have about $16,000 in debt that my income can no longer manage. Are there any financial risks or obligations that I should be aware of, either now or in the future? Karen” Dear Karen, I didn’t even make it past the first ... Read More »

    US Council for Consumer Debt Relief Claims They Can Help Me. – Tracie

    Big Scam Dog

    “Dear Steve, I have constant mail about my finances as I have never contacted anyone. I recieved a letter from U. S. Council for Consumer Debt Relief saying I had qualified to participate in this Mon Profit 501c-3 creditor sponsored program. It says they are not affiliated with debt settlement and NO COST to enroll 888-593-6097. Says they will decrease ... Read More »

      Can My Creditors Garnish My Assets in Texas? – Mary

      closeup of a gavel on cash, from above

      “Dear Steve, I have not paid my credit card payments for over 5 months due to the recession. I cannot afford to restructure them at this time because I am under employed and expect to be so forever due to my age. I live in Texas. Can one or all of the credit card companies garnish all or any part ... Read More »

        My Merchant Account is Getting Lots of Charge Backs Because of My Fulfillment People. – Hendi

        warehouse and worker

        “Dear Steve, Doing joint venture with some people and now they don’t fulfill the clients order, ending up giving a charge-backs to my merchant account under my company name. Thank you for having some time to read this and respond to my questions. So my questions is do I have rights to file this to a debt collectors and try ... Read More »

          My Son Was an Authorized User on My Credit Cards and I Filed Bankruptcy. – Betty

          credit good

          “Dear Steve, I am a Mother with a recent Chapter 7 Bankruptcy. I put my sons name on 2 of my credit cards as an authorized user in case of an emergency and actually forgot about it …. he never used either card. Now he has those 2 cards listed as Bankruptcy on his “very clean” credit report. He could ... Read More »

            I’m Drowning in Student Loans Over My Head. – Thomas

            Drowning swimmer

            “Dear Steve, I have a huge student loan debt that I can’t seem to make head way on. I have a $100,000 is federal loans that have been consolidated with Direct loans and are now with Sallie Mae and $15,000 in private loans. My private loans i can handle making $124 a month payments. My federal is what is killing ... Read More »

              We Would Love to Get a Debt Consolidation Loan to Pay Off Credit Card Debt. – Laura

              loan-approved

              “Dear Steve, We have a lot of credit card debt due to losing almost a year in income to care for an ill family member. We own our home. We have zero late(s) on anything – all debts current and paid on time. We short saled a home in 2009 and do not owe a balance. We’re both employed and ... Read More »

                I Want to Charge Dominic DeSandro of Freedom Financial With Theft. – Phil

                White Collar Criminal

                “Dear Steve, I too am a client of Freedom Financial (www.christiandebtlaw.com) . I made monthly payments via bank draft for about 3 years to a “savings” account that Freedom Financial set up for paying settlements. Freedom Financial initially paid 2 of my accounts just as they said they would, then they haven’t paid anything since. I am no longer sending ... Read More »

                  Will I Have a UK Police Record for Not Paying My Mobile Phone Bill? – Salman

                  uk

                  “Dear Jon, I owe a particular phone company around 1600 and haven’t paid anything to them in a year . I am wondering that would an unpaid phone bill of £1600 would result into a UK police record if not paid over a period of 1 year ? Or its just civil law ? Salman” Salman, An unpaid phone bill, ... Read More »

                    What is the Best Way to Settle My Student Loans With National Enterprise Collections? – Tina

                    Drive Carefully

                    “Dear Steve, I have many loans from school but one that was originally 9,000 that has had an unafforable payment for me of 208 dollars for over a year i have sent them a paymeny of 50 dollars in good faith. Of course that didnt help and i went into default and have recently been sent to national enterprise collections. ... Read More »

                      My Parents Are Draining Their Retirement to Pay Their Bills. – Nora

                      black-hole narrow

                      “Dear Steve, My parents have some financial difficulties and I am not sure how to advise them regarding how to get out of debt and stop spending so much from their retirement account. I am living with them but I have credit card debt of about $15,000. We need to know next step overall- if we should move. and if ... Read More »

                        Our Local Banks Won’t Refinance Our Country Property. – Jeff

                        Friesian Dairy cows in a green pasture.

                        “Dear Steve, Our mortgage was paid off in 2000. We refinanced in 2003 at 5.37% we owe 130,000.00. Went back to same lender to refinance for a lower rate (2.95 at the time) and everything was perfect as far as income/debt/credit, etc….however, they could not find enough comps for the appraisal. The work-up appraisal was 200,000.00….however the comps they found ... Read More »

                          Will Insurance Cover My Credit Card Debt in the UAE? – AJ

                          uae

                          “Dear Jon, Hi, I am also sailing in the same both as all other here. I started my join in (Dubai) UAE in Late 2010 and as usual I also got into credit card World and I owe following 1 Car Loan – 40000 AED (can be sorted out by selling the car) 5 Credit Card – 60000 AED (aprox) ... Read More »

                            How Can I Feel Good About Resolution Law Group? – Randy

                            old man headache

                            “Dear Steve, I have read many of your articles about mortgage debt reduction. I am a little confused here. Is there not one “boutique” law firm in your opinion that really is trying to do something for us? I have read your postings about Resolution Law Group and am actually dealing with them now. I believe my mortgage was definitley ... Read More »

                              My Ex-Husband Isn’t Paying the Mortgage Like He’s Supposed to. – Lisa

                              Divorce

                              “Dear Steve, I was married for 25 yrs to my ex spouse, and prior to our divorce the plan was to sell our home in California & move to Texas. In the meantime after purchasing a home in Texas, he decided to divorce me. I live in Texas and he remained in California living in our former home. Since that ... Read More »

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