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Ask The Get Out of Debt Experts

I Still Owe Citibank Bahrain but Have Left the Country

Bahrain Airport

“Dear Jon, Have a credit card released from Citibank Bahrain, left the country 4 months ago, debt left is 1,500BHD, I am now in Europe. Wanted to know which consequences if I don’t pay it back. Tommaso” Tommaso, Just a quick couple of questions: Do you have the means to pay back the debt, even if on a monthly repayment ... Read More »

    I’m Really Screwed With These FFEL PLUS Loans My Parents Took Out

    Problem Solving Series

    “Dear Steve, I was a student at a University from 1996-2000, receiving my degree in film. As an irresponsible 17 year old, I decided to shoulder the debt burden to finance this endeavor. My father was the guarantor and my family received a variety of Stafford unsubsidized loans serviced by SALLIE MAE totaling about $90K to pay for the remaining ... Read More »

      We Can’t Pay Our NJCLASS Student Loan. What Now?

      Sagging Economy

      “Dear Steve, I cosigned with my daughter for a State of NJ (NJCLASS) loan. Currently I am retired and living on social security and a small pension of $700 per month. I have no assets such as a house, savings or other tangible property. Currently Living in Phoenix AZ. My daughter is working part time since she has not been ... Read More »

        What is the Best Way to Get Rid of My Student Loans?

        broken piggybank with dollar notes

        “Dear Steve, I have a ton on debt. 36,000 in private student loans and 46,000 in Federal student loans. In 2010 I filed for bankruptcy and in 2012 I had brain surgery. I am now currently working and want to get this debt off my back. How would you suggest that I get rid of it. Navient has agreed to ... Read More »

          My Ex-Wife Took Out a Loan in My Name Using a Power-Of-Attorney

          boxer

          “Dear Steve, Wife and I separated in 2005. In 2006 wife took Specialty Loan using a general power of attorney I had given her in case of emergency which was the same year of the loan. About 10 month ago she stop paying the loan. I’m currently under investigation for a government clearance and this might affect the outcome. They ... Read More »

            UK Law Firm is Trying to Collect on My Dubai Debts

            Uk Law

            “Dear Jon, I took out a credit card in the UAE with First Gulf Bank, however I had to leave the UAE sooner than expected and was unable to clear the CC before I left. Prior to leaving I had always made payments on time, and had asked how to make payments if outside of the UAE. I asked this ... Read More »

              How Do I Get Navient to Settle My Federal Student Loan for Less?

              Adult Ed - Questions

              “Dear Steve, I have a student loan with Navient (formerly Sallie Mae). A relative of mine has come into some money and has offered to pay on the load (in full), however, they have urged me to try and negotiate a settlement deal. Having spoken to my friends at Navient, I was informed by three separate people there, that one ... Read More »

                I Co-Signed With Sallie Mae for My Daughter. Now They Want to Sue Me.

                warning

                “Dear Steve, I am having an issue with Sallie Mae student loan debt that I co-signed for. They are threatening to sue me since my daughter cannot pay the debt. I am unemployed and have been out of work off and on for over 6 years. I have only worked 5 weeks this whole entire year. I have no assets ... Read More »

                  Do I Need to Leave My Boyfriend Because of His Debt?

                  process

                  “Dear Steve, Where do I begin…. Well first this question is about my boyfriend more so than me. My boyfriend just turned 34 and I am about to be 27. When I met him he had just been laid off from his sales job in 2011. He had to move out of his apartment and move in with a friend. ... Read More »

                    How Do I Rehabilitate my Wells Fargo Student Loan ACS Education is Servicing?

                    Student Loans Concept

                    “Dear Steve, I am currently having my wages garnished for a defaulted student loan and am trying to find information on rehabilitation. I am fairly certain that since my financial situation has significantly improved I would be able to successfully make the additional payment required for the first 9 months of rehabilitation to remove my loan status out of default. ... Read More »

                      My Student Loan Lender Wants to Take My House

                      Ask Questions - Button

                      “Dear Steve, I have a very old defaulted student loan that is being paid via an attachment to my tax returns annually. I just received a letter that I may be forced to sell my house to fully pay this loan off. What can I do to protect my house? I have the sense that my loan was purchased by ... Read More »

                        Why Am I Not Getting My PayPal Master Card E-Statements From Synchrony Bank?

                        Woman in home office with computer and paperwork frowning

                        “Dear Steve, I have signed up for e-statements. The email account to which they were being sent was changed in October since I was not receiving the statement monthly and the “customer service” representative suggested that of course the problem must be with the email service (G-Mail!). I changed the email to my work email, made certain to add their ... Read More »

                          Why Doesn’t My Student Loan Lender Apply My Extra Payments?

                          Adult Ed - Questions

                          “Dear Steve, I have a question regarding paying extra on my student loans. I have three loans outstanding, with rates varying from 3.4% to 5.8%. I pay the minimum monthly, and am always in time. In fact, I try to be proactive and pay a little more on the loan with the higher interest rate. To my astonishment, I opened ... Read More »

                            I Have Unpaid Debts from the UK. What Can I Do?

                            uk

                            “Dear Jon, I have unpaid credit cards from banks, unpaid phone bills and I bought a laptop and a tablet on installment which I started to pay already. However my visa has run out and I had to return back to my home country. It’s been 8 months since I came back from UK and I am without a job ... Read More »

                              Navient Won’t Help Me Repay My Debts. What Can I Do?

                              body outline

                              “Dear Steve, I have a private student loan from 2008 that I haven’t been able to make the payments on since June of this year. The amount is about 22k and it was from Sallie Mae, but is now Navient. I was under a payment plan but was not able to keep up this past few months and recently talked ... Read More »

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