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Ask The Get Out of Debt Experts

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


      “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


        “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


          “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


                “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 »

                  Amex is Refusing My Settlement Offer. What Now? – Jenie

                  credit card verification

                  “Dear Steve, Amex balance of $15,000. Originally, my monthly payments were $400 and then out of nowhere, they closed my account, but funny how my statements always reflected “open spending account”. A few months later, they raised my interest rate. I stopped paying because the payment was too high. I have been summoned, and called their attorney last week, and ... Read More »

                    Can We End Our Chapter 13 Bankruptcy Early? – Art

                    Bankruptcy Road Sign

                    “Dear Steve, we thought we had a good modification only to find out 2 and half yrs later it wasnt…so we filed ch 13….since filing we obtained a good modification, signed agreed and going well…we also have pd off our vehicle loan through this ch 13…..believe debt left is some very small medical bills…seems we could benefit more now by ... Read More »

                      What Do You Know About Family Financial Care? Are They a Scam? – Stacy

                      Woman in home office with computer and paperwork frowning

                      “Dear Steve, I have incurred alot of credit card debt that is associated with a small business that I own and I am faced with closing the business. I have been told that I will held personally responsible for the debt since it is credit card debt and not directly owed to vendors. I don’t want to file bankruptcy but ... Read More »

                        I Settled My Debt With Emirates NBD Bank But They Say I Still Owe Them Money. – Maria

                        Screen Shot 2013-02-13 at 4.59.14 PM

                        “Dear Steve, I got a settlement letter from Emirates NBD Bank and were able to comply with their requirements to pay the full value in the letter on the date mentioned Dec 30, 2012. The next day we got Clearance letter for the police to close my case. All the while i feel that everything is ok, until January 2013 ... Read More »

                          Credit Acceptance Corporation Repoed My Car by Mistake! – Toni

                          tow truck

                          “Dear Steve, Company acceptance corporation, bought at. billy navarre, Well, my.suv got repossessed about two Weeks ago. I bought the vehicle in march 2012, so I haven’t even had it but 10 months. I signed up for autopay thru western union, and they would send confirmation of payment to my email every time they get paid, which is every ... Read More »

                            Santander Consumer USA Says My Car Payment is Late and I Say It’s Not. – Kelly

                            Car Payment

                            “Dear Steve, I live in Colorado and I have a car loan with Santander Consumer USA. My payment due date is the 15th of every month. Over the past 2 years I have been paying this loan 2 or 3 weeks late. There have even been quite a few times when I paid the note on the 14th of the ... Read More »

                              Bankruptcy Isn’t an Option. We are Getting Divorced and Creditors are Calling. – Jennifer


                              “Dear Steve, Divorce pending, upside down on house we’ve had for 16 years (don’t qualify for the HART program for re-fi), two credit cards are maxed ($27,000+) and now we’re both paying rent/mortgage since I moved out into a condo. It’s put a huge strain on the finances with additional monthly costs associated with the second house. Something has to ... Read More »

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