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Ask The Get Out of Debt Experts

My Mom is On SSI and Accredited Debt Relief is Selling Her Debt Settlement. – Molly

“Dear Steve, My mom is 63 years old and was recently divorced and left with all the marriage debt. She has a discover card in her name (15k) and medical bills (4K). She is on a fixed income (SSI) and paying her monthly minimum it will take 15 plus years to pay it off. Is it a good move to ... Read More »

    I Filed Bankruptcy and Discharged My Mortgage But Bank of America Says They Have a Lien. – Arlene

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    “Dear Steve, I filed in fla chapter7 no reafirmation on mortgage or equity .All zero and discharged in bankrupty is on my credit report .Bank of America mortgage office said i am not obligated to pay equity and stay as long as mortgage is paid.Equity office Bank of America said the lein stays in effect anyway.Is that true ? They ... Read More »

      Air Force Veteran Facing Foreclosure and Lawsuits Over Credit Card Debt. – Elaine

      Ready to Collapse

      “Dear Steve, I live in Florida, am a 50 year old female, make only about $800/mo ($250 VA disability payment, $550 from a part time job), own a 2005 Toyota Matrix in fair condition and own nothing else of value. I am an air force veteran and being treated through the VA. The last time I held a full time ... Read More »

        My Husband Could Not Pay His Rent 6 Years Ago. Will This Follow Him? – Kris

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        “Dear Steve, Over 6 years ago, my husband was 19 year old and he lost his job. He was unable to find another one to pay for his apartment, so he ended up moving back in with his mom. He still owes that apartment complex about $2500 and it is going to be VERY difficult for us to pay this ... Read More »

          Should I File a Debt Relief Order to Get Rid of My UK Debt? – Marlene

          “Dear Jon, Am in debt and creditors are calling and writing. I am going to file for a debt relief order. I am not working at the moment as I am my mothers carer. She will be going into a home and i need to know after I have filed the dro, can i get out and start work again. ... Read More »

            A New Horizon Credit Counseling Services Vanished With My Money

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            “Dear Steve, I had been a client of A New Horizon Credit Counseling Services for 4.5 yrs. I would have paid off all my debt in February. About a month ago we got word that they were turning over their accounts to Consolidated Credit Counseling. I filled out the Docu-Sign document to transfer the account over to them. This all ... Read More »

              I Was Told Not to Pay My Default Debts But I Want to Rebuild My Credit. – Leonard

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              “Dear Steve, I’m turning 22. I have defaulted student loans, several phone bills that went into collections, a credit card that went into collections and also medical bills that are soon to go into collections. I’ve finally been able to secure a decent job, and I want to start rebuilding my credit … my score is horrible, in the low ... Read More »

                Express Insurance in the UK is Being Aggressive With Me. I Want Out. – Maria

                “Dear Jon, Im insured with express insurance UK and did it online am trying to cancel my car insurance after trying to transfer my original insurance to another similar vehicle but being told that i was up for 75 quid for the admin fee and another 198 quid for the extension cost .i arranged the policy online and have signed ... Read More »

                  I Want to Start a Credit Repair Company in Texas to Help Members of My Church. – Karon

                  “Dear Steve, I’m a CPA and have retired from the federal government with over 38 years in Finance. I am interested is starting up a credit clean-up / repair business to help people in my community and church. I have also been a mortgae loan officer since 2001 and have some experience in reviewing credit reports. Since I don’t have ... Read More »

                    I Started a Bankruptcy With Legal Helpers But They Never Filed My Bankruptcy. – Barbara

                    Ready to Collapse

                    “Dear Steve, Had a “hard time” dealing with Legal Helpers. Started a bankruptcy when I lived in Chicago. Moved to Atlanta in Oct. 2005. Is the Legal Helpers Debt Resolution, in Chicago, the same Legal Helpers, who I made payments to for a bankruptcy? Can they actually keep all the money I paid them – never had the money for ... Read More »

                      I’m in an IVA With Debt Free Direct in the UK But Have Concerns. – Richard

                      “Dear Jon, I am in an IVA. I have an equity release clause as follows: ‘After month 54 of the arrangment the Supervisor will obtain a professional valuation of the property. The debtor will then obtain two remortgage quotes from reputable brokers/lenders to satisfy the Supervisor that the equity realisation is the maximum achievable. The property shall be re-mortgaged to ... Read More »

                        Lost My High Paying Job and Now Want to Tap My 401(k) to Pay Off Debt. – Tom

                        Ready to Collapse

                        “Dear Steve, 20 years same company making 200 or more each year in a sales role. Got fired unexpectedly. Been riding large debt load for years, but managing it I guess because of big income. My monthly nut is about 4k. + another 3k to float my excessive bad debt: Two cc: 32k 0% 12 months coming due in jan ... Read More »

                          My Parents Were Contacted by Debt Relief Centers of America. – Sharron

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                          “Dear Steve, First I just wanted to thank you for what you do….I have been helping my parents evaluate debt settlement ‘companies’ (I now prefer to call them predators) and your site has been extremely helpful. I also wanted to submit some information that I hope can help someone else going through the same process My parents were recently contacted ... Read More »

                            Buried in Payday Loans. What Are Our Options With Poor Credit? – Jaime

                            Ready to Collapse

                            “Dear Steve, My husband and I are currently buried in 4 different payday loans which is costing us over $1200/month. The sick part is…without these ridiculous payments we would be doing just fine. It is so frustrating that we allowed ourselves to get into the situation in the first place. I saw your advice about Lending Club and wanted to ... Read More »

                              My Chapter 13 Bankruptcy Was Dismissed. Wells Fargo is Suing Me. What Now? – Gina

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                              “Dear Steve, I am being sued by Wells Fargo Attorney for a credit card debit, I’ve attempted by letter to attorney to state my circumstances and that I was willing to pay 33% of the bill in full, however they still proceeded to file. What should I do at this point. I’m willing to pay some of it but I ... Read More »

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