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Ask The Get Out of Debt Experts

My Mother Passed Away Owing a Judgment to Capital One. – Matthew

closeup of a gavel on cash, from above

“Dear Steve, My mother passed away from cancer this year and she had a judgement against her for a credit card debt from capital one for like 8 grand. She did not have much money and a lot of medical bills and we do not want to spend all the estates money on a judgement from a stupid credit card ... Read More »

    How to Deal With Payday Loans After Bankruptcy

    payday loan

    “Dear Steve, One of my friends has filed for Bankruptcy and she had to take some online payday loans due to her situation after filing for Bankruptcy. She also has some medical bills. Can she add those in debt settlement? Will the creditors work with the settlement company knowing she has already filed for Bankruptcy? PS” The Answer Dear PS, ... Read More »

      I Made Credit Mistakes When I Was Young. I Want to Start Over. – AR

      credit card verification

      “Dear Steve, I’m 25 years old and I’m trying to decide what I should do about the significant credit card debt I’ve accumulated as a teenage. The total debit is roughly $29,000 but has now totaled up to $43,000 because of interested. I was young and naive and received so many cards through our university, I thought nothing of it. ... Read More »

        I’m Losing Ground Every Month by Paying More Than I Can Afford. – Tom

        Man in the field

        “Dear Steve, I’m about $20,000 in debt just in credit cards and i’m losing ground eath month. I’m paying more per month than I can afford. What is my best option to lower and pay off these cards without ruining my credit? Tom” The Answer Dear Tom, Your best option would be to either pay more than the minimum payment ... Read More »

          I Have Negative Equity on My UK House and Bills in New Zealand. – Kelly

          “Dear Jon, I have a house in the UK which is now in negative equity by about 30k. Initially the equity was to pay off any debt and to get a deposit on a house in NZ. I have paid the mortgage for the last 19 months but have come to a point where there is no interest on the ... Read More »

            I Have an Outstanding Phone Contract in the UK

            “Dear Jon, i took some phones contracts in uk, about 5 of them and left country, dher is at least 4 debt collectors agencies after me in uk, thad was 2 years ago.im EU sitizen! can i be stopped for multiple debts on UK border , if yes what will happen? Alex” Alex, You cannot be stopped or refused entry ... Read More »

              What Can I Do to Remove Wells Fargo From My Credit Report? – Benjamin

              Ready to Collapse

              “Dear Steve, I check my credit score! In which I found out my lender Wells Fargo who I had a house back in 2004 still has my credit on hold until 2015! My question what can I do to get that removed from my credit score? What can I do to remove a bad credit from 2004 that is making ... Read More »

                I Filed Chapter 7 Bankruptcy. Can They Collect on My Second Mortgage? – Kelly

                Ready to Collapse

                “Dear Steve, I filed chapter 7 in 2009 and it was all dismissed. I had a home mortgage and a 2nd mortgage along with other things. This is in Georgia why is my 2nd mortgage company calling me now. is there somehow they can make me pay the $30k? Kelly” The Answer Dear Kelly, If your second mortgage was included ... Read More »

                  I Settled My Debts With Everest Debt Solutions. – JB

                  Ready to Collapse

                  “Dear Steve, Had Credit Card Debt with Capital One for around 10,000 I just recently read your article on Everest Debt Solutions. Interesting to say the least and made me a little nervous! I enrolled in their program 2 years ago. As far as I can tell, they have done what they promised…..a 24 month program in which I have ... Read More »

                    I Was an International Student in the UK But Left the UK Owing Debt. – Hemant

                    “Dear Jon, I was an international student in the UK between 2000-2004. I used credit cards and took a loan with a bank, totalling around £6000 and did not pay this amount. Now, I want to visit the UK for a couple of days and I want to know if I my dept in the UK will lend me into ... Read More »

                      Chapter 2 – What Your Money is Trying to Tell You

                      thepath-95x150

                      Chapter 2 – What Your Money is Trying to Tell You The truth about money is that money is a thing. The leaves left in your gutters could have more value and worth if we all agreed they do. Money is just paper, metal or virtual credit in a computer. The truth about money is that if you think you ... Read More »

                        I’m a Student at a UK University But Being Chased for UAE Debt

                        “Dear Jon, I’ve pending loan in UAE , Due to lose of my last JOB I’had to exit UAE , Now am a student in UK university and doing part time job in company here and I’m a Indian national. Now my problem is bank has chased since then i left UAE and stayed back in my country for few ... Read More »

                          Should I Go Back to Dubai to Negotiate a Settlement for My Debt? – Mohamed

                          dubai-beaches

                          “Dear Steve, I have been working in Dubai for almost 5 years , i left on Jan 2012 , cause they terminated about 50 staff including me then i got two jobs offer but in that time they were not issuing iqama for Egyptian nationality so i left back to Egypt, I had a credit card from rak bank , ... Read More »

                            An Old Bank of America Loan Has Surfaced And I’m Being Threatened With a Lawsuit. – Nancy

                            Divorce papers and cash with misc items

                            “Dear Steve, 56 yrs old getting a divorce, left with much Irs debt from husband have to go back to school to refresh my nursing skills. Selling my house to pay off Irs and morgage and car. Will have to start all over (small apt, work full time ect.) My bank of america loan from many years back was charged ... Read More »

                              I Owe the Government Money and They Are Taking it From My Pay. – Vince

                              “Dear Jim, i need to pay the gov. back over 10,000. they are taking my money from my pay leaving me with hardly enough to live.on.i need to pay back taxes to them. plus the mva. i want to pay but its taking to much and to long. i need help of some kind please! can you help me with ... Read More »

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