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Ask The Get Out of Debt Experts

How Do I Go About Settling My Debts if I Can’t Qualify for Bankruptcy? – Joe

money-torn

“Dear Steve, Because of financial hardship I have not been paying our large balance credit cards for over 12 months. There are 5 credit cards totaling about $140k in balances. This was all caused by a reduction in pay over the last 3 years of about $100k per year. We also recently short sold our home and now are renting ... Read More »

    My Husband Received a Writ of Garnishment. What Now? – Natalie

    closeup of a gavel on cash, from above

    “Dear Steve, My husband has received a writ for garnishment of wages for a debt of 2,200 dollars. The default judgement was placed against him for failure to answer and now he’s facing garnishment. He only earns about $100 per week. Can his wages be garnished? What can be done? We don’t have shared accounts or property but we live ... Read More »

      I Wrote a Check at the Grocery Store That Bounced and Now I Owe a Lot. – Patricia

      check

      “Dear Jon, I wrote a check at grocery store for $18.14 and my bank empty out my personal accont and moved.now it states I owe$ 259.14 . I was in despute where I was forced out reasadent I was not properly notified. What do I do about this matter Patricia” Patricia, I am a little unclear as to what happened, ... Read More »

        My Nan Agreed to be the Guarantor for My Sister’s Car Loan in the UK. – Chris

        uk

        “Dear Jon, My nan agreed to be guarantor for my sister on a car loan ! My sister used the car for 6 months and then my sister fell out with the rest of the family and dumped the car on my nans drive , so my nan has the car and logbook and finance agreement but unfortunately we called ... Read More »

          I Left a Debt in the UK to AC Telecoms. Will I Be Arrested When I Return? – George

          uk

          “Dear Jon, I have an debt from AC Telecoms (I am not remember well name of company) since 1998 when I was student, less than £500. I left the country since 1998 however I have to come back for business purposes for few days. Would I be arrested at the UK airport when I will enter the country or when ... Read More »

            I Can’t Afford My UK University Tuition. Do I Really Have to Pay It? – Kata

            uk

            “Dear Jon, I have joined uk university in jan 2010 and the university fees is 10333£. i paid the minimum fees 3000£. to get an admission. i started the university. and i have written my first semester exams. then i have to pay the remaining fees 7333£. i was expecting a educational loan from india. but it have been cancelled ... Read More »

              I Have Old Credit Card Debt in the UAE But I’m Now Living in Yemen. – Joelle

              uae

              “Dear Jon, I Have a CC debt in the UAE and I want to ask an advise if the police can arrest me in Yemen though the country is not part of GCC? 2 years ago I lost my job in dubai and left CC debt with 4 banks. I moved to Yemen,regardless os the situation of the country I ... Read More »

                I Have Some Debts in the UK. Will Debt Settlement Hurt My Credit? – Nicki

                uk

                “Dear Jon, I have a few unsecured debts. i have been offered a reduced settlement on one of them. Am I better off continuing to pay a small amount each month and paying the full amount owed or accepting the settlement. Which is better for my credit rating, if any? Thanks for your advice. Nicki” Nicki, It is difficult to ... Read More »

                  I’m Unemployed and Looking for Debt Help. All the Programs Require Monthly Payments. – Rich

                  Ready to Collapse

                  “Dear Steve, I lost my job and cannot repay my debts — all unsecured. Shopping for a debt reduction program. The only debt reduction programs I am learning about require monthly payments. I have no monthly income for making any payments. However, I may be able to find a private benefactor to loan / give me the lump sum for ... Read More »

                    Will My Bad UK Debt Stop Me From Getting a Visa to Move From Australia to the UK? – Michael

                    uk

                    “Dear Jon, I have an inquiry and would like to know if you can help me. Soon after the GFC I lost my job and a typical situation of not being able to pay rent, loans, council tax etc followed. In a few months I was evicted from my flat and had to return to my own country in the ... Read More »

                      Is Lending Club a Good Place for an Unsecured Debt Consolidation Loan? – Mary

                      Debtstar

                      “Dear Steve, In debt to my eyeballs, starting with under-employment and day care for three kids, including infant twins, 10 years ago. Paid cash for day care and put everything else on credit particularly when husband was unemployed. Snowballed from there. Now have a loan from credit union (less than $10,000), two massive credit card balances(roughly $12,000 each) and other ... Read More »

                        I’m Paying Off My Ex-Husbands Credit Card But Only an Authorized User. – Clarissa

                        Divorce papers and cash with misc items

                        “Dear Steve, Credit card in husband name only, but I was a authorized user. On my divorce decree I am responsible for my ex-husbands credit card(that is in his name only,but I was an authorize user) I recently found out that the credit card number in the divorce decree that he gave was closed. What I think happen is my ... Read More »

                          I’m Divorced, Disabled, and Being Chased for an Old Car Loan. – Angelica

                          angry caller

                          “Dear Steve, Over ten years ago maybe more I got divorced, lost my job and was pretty much homeless then my car was repossessed and want I found out is that Collection agencies have been reselling my loan keeping it for about 30 days then reselling it again I was told that is illegal they call then a month or ... Read More »

                            We Are Both Public School Teachers and Getting Sold by Accredited Debt Relief. – Amanda

                            scammer

                            “Dear Steve, My husband and I are both public school teachers. We have had two children in the last 5 years, and we have not had a raise. We pay $1200 a month in daycare along with our mortgage, student loans, and the other standard bills. We have leaned on our credit cards, and we now owe almost $40,000 in ... Read More »

                              They Took My Truck After I Made My Payment. – Tee

                              tow truck

                              “Dear Steve, My truck was reposed on 11/27 from my finance company the repo man had a paper in his hand saying the repo was issued to him on the 11/7/ and my payment was made 11/06/ I even showed the guy my bank statement where it was taken out…. I called the company this morning and they advised me ... Read More »

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