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Ask The Get Out of Debt Experts

I Signed Up for Debt Settlement With Davenport Law. Now They Are Talking a Chapter 13 Bankruptcy. – Alfonso

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“Dear Steve, I owe about $10,000.00 of credit card debt. I have made arrangements with settlement companies on a couple of them and they appeared on my credit report. I signed up for assistance with Davenport Law out of Dallas, TX, and have been paying $40 monthly fees for about 4 years now. I was recently contacted by a legal ... Read More »

    The Bank Won’t Modify Our Second Mortgage After a Job Loss. – Laura

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    “Dear Steve, I am on disability. My husband lost his job in July. We are living on disability and unemployment checks and have a greatly diminished income. Our bank, Wells Fargo, will not work with us on loan modification. We have a primary loan of $315K at 2.85%. Our second mortgage is for about $66K and is at 8.19%. We ... Read More »

      I Owe Money in the UK and Live in the USA. Creditors Are Harassing My Parents. – Jason

      “Dear Jon, Owe money in the UK, left the UK about 6 years ago to live in USA. When i first moved to the USA i was getting calls and letters from creditors from the UK, it has almost stopped with there calls until now they have started sending mail to my parents addres in the UK. I have asked ... Read More »

        Would Bankruptcy Be An Option for My 70 Year Old parents? – Lauri

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        “Dear Steve, My parents are 71 and 73 and still working full time. My Dad had a gambling problem and has put them in debt with credit cards. My mom has been sending the minimum on most and more on others but the interst is killing them. They are both in poor health and would like to retire this Dec ... Read More »

          Sallie Mae and American Education Services Generate Most Student Loan Complaints

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          A report out today from the Consumer Financial Protection Bureau outline the major problems facing American’s today when it comes to dealing with private student loans. Not surprisingly, Sallie Mae tops the list of most complained about student loan company, with 46 percent of all private student loan complaints. American Education Services (PHEAA) was a distant second. And while those ... Read More »

            Will My Mortgage Company Force Me Into Bankruptcy? – Dena

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            “Dear Steve, I divorced last January. My house had 3 liens from my x-husband’s company so I chose not to keep the house but to let it go into foreclosure (he filed bankruptcy). The house had 2 loans, one for $140,000 and a junior for $35,000. The house went to auction this last August which covered the first loan. The ... Read More »

              Can I Just Pay Sallie Mae What I Can Afford To? – Kate

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              “Dear Steve, I will not lament about Sallie Mae; I think we all know how crooked they are. My question is: I owe around 58k and have recently applied for Income Repayment Sensitivity. They have responded with letting me know my payments will be just under 15% of my disposable income. This is too high of a payment. My main ... Read More »

                Is It True That Sallie Mae Loans Have to be Forgiven After 10 Years? – Lynn

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                “Dear Steve, I’m trying to help out my son and his wife. They initially borrowed 64k from Sallie Mae for Student Loans. I believe it was a priviate loan. Through eight years and a couple of consolidations; they are still in trouble paying back the loan. They have tried to keep up on payments but haven’t always. They are seriously ... Read More »

                  Pakistani Woman Owes Me Money in Dubai. – Nava

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                  “Dear Steve, Hi! I am an Indian, I was running a partnership trading company in Dubai. My partner is from Pakistani (lady). In some situation i found her fraudulent activities in the business, so i suddenly closed my company with certain conditions. And I received a personal cheque from Pakistani partner for withdrawing my shares. I have given her much ... Read More »

                    It’s Been So Long. Do We Still Owe the IRS? – Sam

                    “Dear Jim, The IRS is still trying to collect $15,000 from 2000. We were in Chapter 13 in ’08-’10 and the BK was DISMISSED in Dec. ’10. In Oct. of 2011 we began making monthly payments of $50. These payments are toward the $15,000 and $640.00 assesed for 2009. Do we still owe the $15k? We entered the agreement AFTER ... Read More »

                      My Husband Died Recently. How Should I File My Taxes? – Theresa

                      “Dear Jim, My husband dies 2 months ago. He didn’t have life insurance. His pension stop & I work so I won’t get SS. We didn’t have taxes taken out of his pension or SS. We paid it when we filed. We have 2 daughters 1 14 & the other 18 and started college. How should I file my taxes? ... Read More »

                        We Have Our Chapter 13 Meeting With Creditors But My Spouse Can’t Be There. – Nicole

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                        “Dear Steve, Filed a joint chapter 13 Our creditors meeting is in a couple days, my spouse Had to go Out of town & can’t make it, can I just go by myself Nicole” Dear Nicole, Well bless you for reaching out to me for help. In this case I’m the wrong person to ask. Please pickup the phone and ... Read More »

                          Can I Move to Australia and Get Married if I Have a Delinquent Private Student Loan? – Mike

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                          “Dear Steve, private student loan debit took out – and never went to school for 2 reasons. One had major issues with the school it’s self. I got a private student loan (thanks to Grandpa co-sign) which was to cover school, room/board, and all other related cost. Bags packed ready to go on the road trip with the parents. Check ... Read More »

                            My Old College Says I Owe Them Some Money and Won’t Give Me My Transcript. – Crystal

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                            “Dear Steve, I attended a techinal type college 7 years ago and did not finish all my classes and got about 60 credits from them. My new school need my transcript and they wont release it due to now they say i owe them $877. When i left no one imformed me that i would be owing the schoold. I ... Read More »

                              I Want My Money Back for Mortgage Modification Charges. – Dudley

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                              “Dear Steve, In November of 2011 Phillips Law Frm contacetd us offering to to get a modification on our mortgage loan with Well Fargo(Lender). Coincidentally we received a mailing just a week or so after I had submiited an application to Wells Fargo asking for the modification. This mailing gave a reference # and asked us to call a 800 ... Read More »

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