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Ask The Get Out of Debt Experts

We Don’t Have Much Left Over Each Month. Should We Save It? – Cathy

casual woman saving money

“Dear Steve, We are $23,000 in debt not including our house. We are able to make all payments but nothing is left over to save. $11,000 of this debt is an old school loan that we pay $114/mo on. $5000 is an auto loan. The rest is old credit debt. We have paid down about $10,000 in the last two ... Read More »

    I Can’t Make My Payments and Creditors Want it All? – Bridget

    Financing a budget

    “Dear Jon, I have 4,900 in credit card debt and all my cards have been turned over to collection. I am doing the best i can, but they are not letting me do payments they demand the full amount or they can split the full amount in to 4 payments. I can only pay about 100 each month to get ... Read More »

      I Could Not Live My Old Life Anymore. I’m Seeking Happiness But With Debt. – Patrick

      Arms Open

      “Dear Steve, Thanks for your time. I’ve read through your site, your publications, spoke last month with a financial consultant (Damon Day – I think you might know him or know of him?) and wanted to drop you a line to get your thoughts. I see the site requests a substantial amount of information, so I hope what I share ... Read More »

        Should I Take Money Out of My Retirement Account to Pay for a Move? – Sam

        retirement

        “Dear Steve, My wife and I paid off our debts and we don’t want to go there again. I recently found a better job but it is going to involve significant upfront expenses in terms of move etc which is not paid for by the company. I have a 403b from my current employer with about 20K in it. When ... Read More »

          Can I Settle My Debt Myself? – Harvey

          Handshake with Money Sign

          “Dear Steve, I was wondering if it’s advantageous to try and settle multiple cards at one time? The 4 cards will charge off in March (within about 20 days of each other). I will have access to some money by then. With that and a tax return, I might have enough to settle them together. Should I mention to each ... Read More »

            My Husband Committed Suicide and Left Me With IRS Debt. – Kathy

            IRS

            “Dear Jim, I’m dealing with a situation where I was married for 11 years. It was a very abusive marriage. To make a long story short, he committed suicide, since then the IRS has been hounding me, garnishing my wages and threatening holds on my bank account as they have made me liable for all of his back taxes, which ... Read More »

              I Was in Marine Boot Camp When I Found Out About My Bad Capital One Debt. – Adam

              Meeting with Pusht-e Rod leadership

              “Dear Steve, Thank you for taking the time to read and answer my question. I’m currently dealing with old, bad debt I’m trying to pay off. I’ve been paying off accounts and also dealing with an identity theft situation where my social security was used unknowingly by a family member for their bills. At this time, I’m considering pressing charges ... Read More »

                I’m 21 Years Old and My Credit Score Sucks. How Can I Improve It? – Lore

                "Credit rating" handwritten with white chalk on a blackboard

                “Dear Steve, Hello, I am 21 years old and recently checked my credit score. Due to pass due bills not being paid I am carrying a 580 credit score. I am aware that this is horrible but I am not sure how to go about getting this fixed. I already have a secured credit card to help improve my credit. ... Read More »

                  Our Divorce Agreement Says My Ex-Husband Owes Me Money But He’s Filing Bankruptcy. – Jennifer

                  Divorce papers and cash with misc items

                  “Dear Steve, was divoriced due to inrecinsoluble diff./basically he was abusive and minipulating!*long story short*our divorce agreement was that he was to pay me $5000 within 30 days,another $5000 in six months,and the remainder $10,000 in two years! this was six years ago & extremely genorous and idiotic of me.,against every1 telling me i was a fool to let him ... Read More »

                    Kentucky Higher Education Says I Owe a Lot of Money for a Student Loan. – Beth

                    College Tuition Expenses

                    “Dear Steve, 47 year old,, married, recently moved to N.C.. I went back to school in 08′ and my school loans added up to 5600.00. I deferred the loans and was notified in 2012 that the loans were not deferred and had been in default for a year. YES a year. I explained this doesnt make any since if they ... Read More »

                      How Can I Stop My Husband From Spending Money We Don’t Have? – Marie

                      doctor-xray

                      “Dear Steve, I was an asst. director at a computer company for 4 years of the 10 years I worked ( I am a medical laboratory tech by trade) at this company. When I quit to be a full-time mom (and follow my husband as he did contract work as a nurse anesthetist) I was making ~$75,000. I had ~$45,000 ... Read More »

                        My Capital One Account is Higher Now Than When I Enrolled in the Debt Settlement Program. – Maureen

                        Why?

                        “Dear Steve, My question is this: I am enrolled in a debt consolidation program with care one. I have already settled 2 of the 3 accounts that are part of my plan. The last one to be settled is a capital one account. I talked to care one today regarding my account and they told my that the company representing ... Read More »

                          My Mother Passed Away and It Was Devastating. She left a Couple of Homes. – Nancy

                          Isolated wings

                          “Dear Steve, I desperately need advice. My mother passed away just over 2 years ago, which was devastating for myself and 3 siblings. She owned a house in america (Florida to be exact), which was in negative equity, none of us were financially able to manage this property and therefore have just left it, which I’m sure was the wrong ... Read More »

                            I Made My Truck Payment But They Repoed My Truck Anyway. – Susan

                            tow truck

                            “Dear Steve, I made a truck payment a month late. My truck payment is usually do on the 7th of every month. I made December’s payment on January 10th, called and gave my reference number to the finance company. They said they were going to try there best to fax the cancellation of repo order, but it may be done ... Read More »

                              A Debt Collector Says I Bounced a Check. But I’ve Never Written a Check. – Aly

                              nsf

                              “Dear Steve, searching for better approach. i was contacted by collections i believe and inform me that i owe money for bounce check. i told them i never used the account eve since i opend. hi,I believe i may have been scammed. I had a bank account that I never used and they called me once to tell me that ... Read More »

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