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Ask The Get Out of Debt Experts

I’m a Single Mother of Four. What is the Best Way Out of Debt? – Dawn

mother and son

“Dear Steve, I am a single mom of 4. I recently went through a divorce in which my former husband incurred alot of credit card debt – to the tune of $76,000. While the credit is not all mine, it is all in my name and legally I am responsible. My montly net income is approximately $5800. I have been ... Read More »

    My Chapter 7 Bankruptcy in Tennessee Was Horrible. – Shirley

    qa3

    “Dear Steve, Im 62 yrs old, Im a widow. Im in chapter 7 bankruptcy in western tn. and its the most horrible thing ive ever experianced. I live 5 miles in the country in a double wide trailer on 1 acre. I am apx, 60,000.00 in dept, all but 6500. is unsecured credit cards. So far the trustee has had ... Read More »

      I’ve Been in Debt to Rome Finance Company and BlueHippo.com since 2002. – Travis

      zombies

      “Dear Steve, Your article and some other news I have been reading recently brought to my attention that Rome Finance Company (now Colfax Capital) was sued by two states for defrauding soldiers and also that the government started the ROAM database because of the cases brought against them and other companies like them. I have been in debt to this ... Read More »

        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” Dear Andy, A cancellation of debt will appear as ... 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 »

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