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Ask The Get Out of Debt Experts

My Past Credit is Dragging Down My Credit Score. I Want to Buy a House.

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, I went through a bad health crisis several years ago (2005-2007/2008) at which time I was in and out of hospitals for periods of up to 15-30 days at a time, on disability and struggling to keep all the bills straight and paid, especially all the different Dr. and medical bills that kept rolling in. Needless to say, ... Read More »

    My Chapter 7 Bankruptcy Discharged My Mortgage. Can I Stay and Keep the House? – Greg

    Real Estate Concept

    “Dear Steve, Post 2 years Chapter 7 – credit report shows discharge of mortgage. Want to stay here and pay off the house and eventually get title… My Chapter 7 discharged unsecured debts more than 2 years ago. Unbeknownst to me it also discharged my primary residence mortgage. I have stayed current on the mortgage the entire time even though ... Read More »

      We Are in Financial Overload but Getting Ready to Retire. – Tomasita

      retirement

      “Dear Steve, My husband and I are having financial overload. we would like to get rid of debts as soon as possible he es the only one woks and we are close to retire. What do you recomend us to do what ever is better for us. Tomasita” The Answer Dear Tomasita, Without knowing more about your situation I’d suggest ... Read More »

        I Live in Italy But Still Owe Debt in the UK. Will I be Arrested if I Return to the UK? – Louise

        “Dear Jon, I left the UK 8 years ago and now live in Italy. When I first arrived in Italy I carried on paying my debts which consisted of a bank loan, credit cards and catalogues. Unfortunately due to financial problems I was unable to carry on paying the debts in the UK and ended up walking away from them. ... Read More »

          The Aberdeen City Council in the UK is Issuing Me Parking Tickets. – Graeme

          “Dear Jon, just recently received a parking fine from aberdeen city council. after attaching your ‘legal notice’ ticket that prohibits anyone attaching anything to my car without prior written consent, i recently had a parking ticket attached to my car in aberdeen while the vehicle was parked on a quiet street and causing no obstruction. my question is, ‘what do ... Read More »

            Can Lloyds TSB UK Chase Me Back to India to Collect My Debt? – Enayet

            “Dear Jon, Debts- Lloyds £ 1500, amazon card-£1000, aqua- £500, capital-£200. Now going back to India permanently and not in a position to pay off debts. This is Enayet again. Couple of days ago you advised me to obtain a debt relief order before I permanently go back to India. However as I am leaving immediately it may not be ... Read More »

              I Saw an Ad on TV for Consolidated Credit that Led to National Legal Systems. – Ryan

              “Dear Steve, I have more than $30,000 in credit card debt and am behind on my payments. I need help! I saw an ad on TV for Consolidated Credit services as I have credit card debt I need help with. For one reason or another I didn’t qualify for there program and they referred (they actually transfered my call) to ... Read More »

                I Have to Leave the UK and Go Back to India But Will Lloyds and Natwest Chase Me?

                “Dear Jon, Hello I need your advice. I am an Indian citizen and had been living in UK for last 4 years. during these time I had to get some bank loans, credit cards and overdrafts . Now I owe £ 1500 to Lloyds TSB , £1000 to amazon credit card, £500 to Aqua, £ 2500 to Barclays and I ... Read More »

                  I’m Unable to Pay My Debts After the Death of My Husband. – Lula

                  Ready to Collapse

                  “Dear Steve, Unable to pay all debts after death of husband. Since my husbands death in 2009 I struggled to pay the debts. Finally had to stop paying on four of them. Now, Capital One is taking me to court next week. Will they be able to freeze my bank account since only Soc Sec is my only income and ... Read More »

                    I Live in Wisconsin and Disabled. Can a Creditor Sue Me Again for the Same Debt? – Wendy

                    Ready to Collapse

                    “Dear Steve, I had a credit card from Capital One back in 2003(?) or 2004(?)…. In a short time, I was not able to pay on it because I ended up having to apply for Disability. So they went through the normal trying to collect, then finally, took me to court (which I was not able to make it to, ... Read More »

                      Did Consumer Affairs Legal Center Close Up? – Karen

                      Screen Shot 2012-11-05 at 3.54.43 PM

                      “Dear Steve, Hello, my name is Karen and I signed up with Consumer Affairs Legal Center back in 2010 and I am having nothing but trouble trying to contact their company regarding creditor problems. I have been following this column for a few months after one of my co-workers saw this column and knew that I had signed up with ... Read More »

                        I am a Victim of Countrywide Appraisal Fraud. Where Can I Get Help? – VR

                        countrywide_home_loans

                        “Dear Steve, I am also a victim of Appraisal Fraud Countrywide now BofA. Resident in Northern Virginia. Where can/should I turn to seek council for my area. Everything I’ve read was for either California or New York. Your feedback regarding Real Estate Law Center was extremely valuable. I had a clue when the first “dump” of email correspondence was all ... Read More »

                          Should I Ask My Sharjah, United Arab Emirates Creditor to Drop the Case? – Alvi

                          uae

                          “Dear Steve, I have a bounced cheque situation, the amount is not that high (14000). I couldn’t pay back since I am almost at handover of a project and want to pay the supplier asap. Since the cheque has already bounced and I have received threats from the supplier, I am a quite worried what will happen next. The supplier ... Read More »

                            What is Your Honest Opinion About World Law Group? – Tammy

                            Ready to Collapse

                            “Dear Steve, I am in about $28,000.00 in unsecured credit card debt. I got a flyer in the mail about 3 weeks ago stating they could help me get out of debt. I called the number and in about 2 days I got a call from World Law Group and before I knew it I was signed up with them ... Read More »

                              I Have Debt I Owe in the UK. Do You Think it Will Ban My Travel From the EU and UK? – Aynaz

                              300px-Flag_-_Great_Britain

                              “Dear Jon, Left uk with 1000£ dept to uni,what can I do I have studied half a semester in uk but left after 2 months and didnt fill that form that I want to leave uni cause i was not sute .after xmas holiday uni mailed me that i have to pay 1000£ for the rest of the semester I ... Read More »

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