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Ask The Get Out of Debt Experts

Can a Debt Collector Send a 1099-C on a Debt That Charged Off 5 Years Ago? – Regina

Help - Red Button

“Dear Steve, I defaulted on a credit card account in 2005. I was in a really bad situation. I didn’t even have enough money to eat, let alone pay this bill. I got calls about it for about a year. Then nothing. Occasionally I would get a letter or phone call, but that was it. Today I got a call ... Read More »

    Check ‘n Go Says They Can’t Offer Me the EPP or Extended Payment Plan. – Gene

    yikes exclamation

    “Dear Steve, I took out a $5,000 Check n Go loan last year. I have to pay back $998.00 every month. At that time, I was able to do that when I agreed to the terms of the loan. Now, I have run into a financial hardship and I’m not able to pay that amount. I called this morning and ... Read More »

      We Have an Interest Only Car Loan and Other Debt We Want to Pay Off. – Becky

      math

      “Dear Steve, Husband and I both work full-time & make a decent wage (approx $100,000). We owe $13000 on credit card, $33000 for car loan ( no interest-7 years), $16000 personal loan (used to max out RRSP tax deduction last yr), and $127000 for mortgage (25 yrs). We manage to pay all our expenses each month with a couple hundred ... Read More »

        I’m Looking at the Law Office of Robert Jacovetti to Help Eliminate My Debt. – Carolyn

        Why?

        “Dear Steve, I was scammed by Lloyd Ward debt relief and m now with Freedom debt relief. Despite what the contract says, they are now asking me to pay additional funds from my personal bank acct. I called Accredited Debt Relief and they said they are affiliated with Freedom and would not consider me as a client. I have since ... Read More »

          Chase Bank Let Me Open a Credit Card. I Have Not Paid in 4 Years. Now I’m Getting Sued. – Lawrence

          closeup of a gavel on cash, from above

          “Dear Steve, About 3 or 4 yrs ago Chase Bank, let me open a credit card with a line of credit for $1,300.00. We’ll at that time I had a decent job and figured I could afford to use it. Shortly after I lost my job and was not able to make payements. Now 4 yrs later this lawyer firm ... Read More »

            Real Estate Law Center Told My Grandma to Max Out Her Credit Cards. – Jason

            Praying

            “Dear Steve, my grandmother got hooked up with this real estate law center pc, she signed there dam contract and now has given them all kinds of money, my grandma is 78 years old and scared to lose her home and these dudes told her all the right things to get her to sign the contract, did she stop and ... Read More »

              I Was Unemployed But Now Have a Job. I’d Like to Start to Get Out of Debt. – Adan

              Searching-right

              “Dear Steve, I live in Los Angeles, CA and was unemployed for several years and was not able to pay my credit card and student loan bills among other bills. Now I have a job with okay salary and my living expenses are not much. I can afford to start paying off my debt. I have credit card debt in ... Read More »

                How Do I Go About Getting My Free Money? – Christine

                Magnifying Glass - Q&A

                “Dear Steve, need help with my family cuz he my baby dady cant work cuz he is waiting for his disability so i work full time almost a lil less but we can us some money for bills baby stuff diana my baby is named diana and i could us help with stuff for her me clothing house hold stuff ... Read More »

                  Debt Snowball is Reducing Our Debt But What Next? – Doris

                  retirement

                  “Dear Steve, We owe 172,000.00 on our house and live in CA. We are in our late 4o’s with a net worth of 200,000.00 not including my pension. We both have another 20 or so years to retire. My husband is self employed as a painter therefore we have to put away extra retirement for him. We have life insurance, ... Read More »

                    Is Ready for Zero a Scam? What Do You Know About Them? – Jane

                    radar

                    “Dear Steve, Single income earner 32.50 – disable husband who owned own business pittance from SS 2 teenage girls. I work full time, and at least 4 hours every sat at 2nd job new opportunity for OT at work so switching to that almost 25,000 (on total of 6 cards) in debt plus 62,000 left on house and a home ... Read More »

                      Debt Pay Gateway Said They Could Reduce What I Owe. – Deborah

                      confused man

                      “Dear Steve, Just to many credit cards. Bad, bad mistake. I had a firm called Debt Pay Gateway Inc. Have you heard anything good or bad about them. They said they could reduce what I owe to probably 45%. They want to take so much money out of my checking each month. Thank you Deborah” Dear Deborah, Debt Pay Gateway ... Read More »

                        I Can Make My Monthly Payments But Can’t Breathe. – Jas

                        End of stress.

                        “Dear Steve, I have 6 credit cards. One of which I am over the limit by about $500 because I didn’t read the fine print and ended up with a $900 interest fee. Between all six cards I am currently in over $20k in debt. I make $46k a year and still going to school which I use student loans ... Read More »

                          The Collection Company Says They Will Clean Up My Credit Report if I Pay. – John

                          "Credit rating" handwritten with white chalk on a blackboard

                          “Dear Steve, I had a Doctors bill in 2010 I did not pay. Had several financial problems and were not able to get them paid. The collection company contacted me and stated that if I paid the bill in full they would send a letter to the credit burea’s removing the derogatories on my report and send me a copy ... Read More »

                            Old Payday Loan People Are Threatening to Turn Me Over to Local Authorities. – Shemeka

                            angry caller

                            “Dear Steve, Over 5years ago I took out went to a check cashing place n got a pay day loan n forgot about it so i didnt pay them off now about 2months ago a collection agency has been calling for repayment of check for about 520.00 and on top of that lawyer and court fees. I’ve asked them to ... Read More »

                              DebtPro123 is Taking Our Money But Vanished. – MJO

                              SONY DSC

                              “Dear Steve, My husband and I got in alot of debt. What I am telling you now, I am just uncovering. My husband handled the finances and I thought he was good at it. He recently passed away so I have had to start looking into all of this”mess” that we or shall I say “I” am in now. As ... Read More »

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