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Ask The Get Out of Debt Experts

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 »

      I’m 77, Spent My Savings Down Paying My Debt, and Out of Work. – Manuel

      2007_honda_fit

      “Dear Steve, I am a 77 years young individual. I lost my job on January 2011 and have not been able to find a job anywhere, although I have been trying very hard. I have a credit card debt ( unsecured ) of around $43,000 and I have ran out of money trying to keep my credit in good standing ... Read More »

        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 »

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