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Ask The Get Out of Debt Experts

I’m in South Africa and My Husband is in Administration But We Need a Loan. – Rene

Ready to Collapse

“Dear Steve, I need a loan but do not work my husband works for me and he cant apply because he is under adminastration my question is can i apply than he can pay Rene” Dear Rene, I think you live in South Africa. If I’m wrong, let me know. But if your husband is in an administration in South ... Read More »

    I Co-Signed for a Sallie Mae Student Loan for an Ex-Boyfriend. – Lisa


    “Dear Steve, When I was 18 I co-signed a Sallie Mae loan for my boyfriend. I am now 29 and we broke up about 2 years ago. He has fallen on hard times and stopped paying his loans and they are coming after me for the money. It is damaging my credit and I may need to move back in ... Read More »

      America’s Servicing Company Won’t Modify My Mortgage. – Vicky

      tired working woman

      “Dear Steve, I have been trying to work with American Servicing Company for about 2 years, i have been trying to get a modification done on my home. After working with American Servicing company for 2 years and continuously denied modification on my home loan I was wondering if suing my lender would have to be my next step. I’m ... Read More »

        We Filed a Chapter 13 Bankruptcy and Now Getting Divorced. – Nicole

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        “Dear Steve, We filled backrupcy 2 years ago and it was a chapter 13. We are now going through a divorce. We have two small children and I am going to be relocating back to my home town which is cross country. At the time my husband made too much to get us into a chapter 7. Since then I ... Read More »

          Individual Voluntary Arrangements Trapping People Over Payment Protection Insurance

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          Brits in Individual Voluntary Arrangements (IVAs) are finding that even after they have spent five years repaying their debt through the binding debt repayment approach they are still stuck in the IVA and can’t get out. As part of the IVA process in the UK, consumers are told they must file a claim for overpayments of payment protection insurance (PPI) ... Read More »

            What is My Best Course of Action to Resolve My Problem With the IRS? – Steven

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            “Dear Jim, I failed to file for the years 1999 through 2006. I have now filed all of the missing returns, as of the end of 2011. The resulting tax and penalties is $300,000+. My financial situation is very bad, as the result of two periods of unemployment. I don’t have the savings or the income to pay this debt. ... Read More »

              I Can’t Get My Mortgage Modified and I’m Behind on Credit Card Debt. – Doug


              “Dear Steve, I Was Injured On The Job An Can No Longer Work .When This Happened I Worked Out My Income Over The Next 5 Years The First 2 Years My Income Droped 35% The Next Year Another 15% The 4th Year Another 15% This Is Where My Income Is At This Time. The First 2 Years I made All ... Read More »

                I Moved Back to the UK and Contacted About a Debt I Don’t Recognize From 2005. – Jen

                “Hi Jon I have just received a letter out of the blue from a company who say they purchased my debt from a catalogue company. All the letter says is that the account was opened in 2005 and I have had no contact with anyone regarding such a debt in those 7 years. The strange thing is, I paid off ... Read More »

                  I’m Way Behind in Paying My Payroll Taxes. How Can I Work With IRS? – Daniel

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                  “Dear Jim, I own a fire protection company that does around 4 million a year. It is a c corp. We are $500,000 behind in payroll tax,s. Our business is picking up substantually and I believe we will make it through this extreme situation Can you help me What is the best way to work this out with the IRS ... Read More »

                    Chase Bank Sent Me a Summons and Wants My Bank Details. Do I Have to Give It to Them? – Candy

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                    “Dear Steve, Steve, i recieved a summons in regards to Chase bank: I contacted the law offfice that sent it to me and made arrangements to make payments on the debt owed, they are asking me for bills and checks stubs and bank information do i have to disclose that information to them? Also do i still reply to the ... Read More »

                      I’m a Dutch Citizen and Traveling to the UK. Will I Be Arrested for Old Debts? – Debby


                      “Hello, My situation is as follows: I have lived in the UK for around 2 years a few years back and when I left I also left a few different debts: 1) around 250 pounds of council tax 2) 175 overdraft at Lloyds 3) I do not know for sure but it might be possible I owe HMRC regarding my ... Read More »

                        I Have an Outstanding Payday Loan With Check ‘n Go and Not Sure What to Do. – Angel

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                        “Dear Steve, I have an outstanding payday loan and I’m at wits end of options Hi I took out a loan with check n go for 2400 not fully reading the contract I didn’t notice how high the interest rate was. I was in a horrible situation at the time and I desperately needed money.. Just had a newborn, moved ... Read More »

                          SMS Loans. Turning Your Mobile Phone Into a 800 Percent Interest Rate Debt.


                          If you thought payday loans might be a problem, abused, and be too readily available to those that can least afford it, then you need to learn about SMS loans or text message loans. A SMS is a text message sent from a cellular or mobile phone. In some parts of the world, consumers can enter into payday loans just ... Read More »

                            UK Woman Kills Self to Avoid Dealing With Debt Problems and Hidden Credit Card Debt


                            From This is Staffordshire: A mother killed herself on the day she thought bailiffs were coming to repossess her home, an inquest heard. Tina Bennett, aged 40, was found by her son Anthony, and husband Michael, at the family home in Kidbrooke Place, Blurton, on May 11 this year. She had hanged herself using the cord from two dressing gowns, ... Read More »

                              I Moved to Germany From the UK But Need to Deal With My UK Debt Now. – Jon

                              “Dear Jon, I moved to Germany in April. With around £20k of outstanding debt in the UK in a debt management programme which I’m paying. I also left a £1250 overdraft and have fallen into arrears on the mortgage I have on my flat which I currently let to a friend of a friend. The arrears on my mortgage (around ... Read More »

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