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Ask The Get Out of Debt Experts

Diagnosed With Cancer, Income Dropped, and Deep in Debt. – Betty

'Cancer' highlighted in green

“Dear Steve, Household income dropped in 2009 by $75,000, during that time I was also diagnosed with cancer, thus, medical bills on top of everything else. Now I find myself with $55,000 in credit card debt and yes, I am making minimum payments but that’s it. I have talked with a couple of different debt relief agences, both debt settlement ... Read More »

    I’m Being Sued Over a Bill My Ex-Husband Has For Car Repairs

    Divorce papers and cash with misc items

    “Dear Steve, I received a letter in the mail from a car repair shop stating that they were taking me to court over an old repair bill of my ex husbands. We were divorced August of 2011 and it was decreed that we each pay half this bill. After the divorce I talked to my ex about it. I told ... Read More »

      I Can’t Afford My Car Payments Anymore. Should I Give the Car Back? – Jon

      Cheerful female driver huging her new car

      “Dear Steve, Bought a used car when working, now no longer working and can barely make car payments. While I was working I could afford to make a close to $300 car payment. Now I’m no longer working and I really need to unload this car even though as much as I love the little car, Due to credit card ... Read More »

        Discover Card Sued Me 10 Years Ago and Wants to Renew It. – Barna

        closeup of a gavel on cash, from above

        “Dear Steve, 10 years ago Discover card sued me but on that time, I was not aware this clearly and my roommate signed that summon. However, on 2003 around June they had a garnishment on my bank account and took all the money I had in my bank account. After that I did not receive any warning from Discover card. ... Read More »

          Is Legal Aid Service a Real Company to Charge Me for a Loan Modification? – Carlos

          puzzled looking little boy looking to the left

          “Dear Steve, I received a letter from my bank and when I called in, the people who answers the phone were not my bank. They wanted my documents so I sent them in. Later on I found out that they are a company named legal aid service and the attorney is a man by the name of Floyd Belsito. The ... Read More »

            I’m Disabled and Behind on My Government Student Loans. – Jess

            happy woman in wheelchair outdoors beach showing victory sign

            “Dear Steve, I have about 42 thousand in gsl debt that has gone through to about 60 K now. I have been disabled and trying to get on ssi/ssdi for about 6 years now. I have an apartment via a government program to assist disabled persons with housing, but have only 115 plus food stamps from the state while my ... Read More »

              I Want to Give My House and Car Back and File a Chapter 7 Bankruptcy? – Sasha

              future

              “Dear Steve, Lost my job a few years back. Got behind on my mortgage & my already high interest car payment. Filed Ch. 13 in 2011 after starting another job that wasn’t paying a lot. Now I’m working making better money but I don’t have a lot of money left after paying my bankruptcy payment. Can I file a Ch.7 ... Read More »

                We Got Rejected for a Credit Card Because We Had Been in Credit Counseling. – Lyna

                under construction

                “Dear Steve, I just finished paying off my credit cards thru credit counseling, bought a house. I then applied for credit card, got denied due to being in credit couseling. How long should I wait to re-apply again? In the mean time, what could i do to erased the credit counseling on my report? Lyna” Dear Lyna, When you enroll ... Read More »

                  I Have Muscular Dystrophy and Overspent to Give My Kids a Good Life. – Stephanie

                  mother daughter

                  “Dear Steve, I bought a house 2 yrs ago for $168,470 and I owe $130,416.53 with an interest rate of 4.625%. My LTV is about 73%, based on a comparable home that sold for $178,000 a year ago in my subdivision. My home is new construction in an university town, where the market value is doing well. Here are the ... Read More »

                    MyPayDayRelief.com Keeps Calling Me. What About Kala Services? – Rhonda

                    payday loan

                    “Dear Steve, I have been getting calls from mypaydayrelief.com and was almost ready to begin the process for allowing them to help me but after reading all your info i am glad i did not fall for this scam. i have 4 pay day loans whom will want money effective friday the 1st of Feb i need a company a ... Read More »

                      I Screwed Up My Credit When I Was Younger. Now I Want to Buy a House. – Mark

                      yard

                      “Dear Steve, Steve, when I was 22 I signed up for a credit card and treated it like free money. I signed up for 2 more over the next few years and maxed them all out. I racked up 20k in debt and paid the credit card companies $100/card a month until I just got frustrated and behind and then ... Read More »

                        I Had a Walmart Credit Card I Forgot to Pay. It Hurt My Credit. – Estee

                        "Credit rating" handwritten with white chalk on a blackboard

                        “Dear Steve, I have a bizarrely stupid question. I moved around a few times when I was in college, and I had (among other cards) a WalMart credit card with no balance. I never used it after I moved (I don’t live near a WalMart), and I just forgot about it. After one move, I even forgot to change the ... Read More »

                          I Got a Better Deal From My Creditor Than Through ClearOne Advantage. – John

                          Handshake with Money Sign

                          “Dear Steve, owe 11.800.00 maybe more since i have not paid them since loss or job about 4 months now clear one says they can get it down to about 7500 i have given clear one 250 for 4 months Currently enrolled in a ClearOne Advantage Program. Made approx. 4 payments. Clear one tells me I can settle my account ... Read More »

                            Single Mom Struggling to Make Ends Meet and Paying Off Debt. – Sam

                            future

                            “Dear Steve, I have 3 credit cards and an auto loan. One card was recently paid in full after being delinquent for a year. The 2nd one I have made payment arrangements with and will be paid in full as soon as my tax return is received. The 3rd and highest balance (approx $7000 with Wells Fargo), I have payment ... Read More »

                              Is the First Solution Loan Program from First National Bank of Omaha a Good Idea?

                              Bank

                              “Dear Steve, I am trying to get out of debt and at the sametime trying to figure out what will be a better way. I have about $9.9k in credit cards debt, 2 car loans (~$19k) and a personal loan with $4200 left. I am making all my payments on time and always paying my cards more than the minimum, ... Read More »

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