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Ask The Get Out of Debt Experts

I’m in Dubai and My Debt is Way More Than My Income. – Ami

dubai-beaches

“Dear Jon, I’m staying in Dubai for 5 years, I wasn’t have any debt until last year for some family reason, now with only 6000 salary I end up with 120K debt, I’m trying to maintain the debt until now even it is exhausting, I’m about to consult debt consultant to solve it but a little bit worry My questions ... Read More »

    Can the Statute of Limiations Make My Sallie Mae Student Loans Go Away?

    stressed-woman

    “Dear Steve, I have three Sallie Mae loans, all of which have gained interest in the past eight years. When I first went off to college I was very uneducated about student loans. Now, I wish I had better educated myself. I am scared to death of Sallie Mae because everyone I know that owes Sallie Mae has had their ... Read More »

      I’m So Stressed Being a Sallie Mae Cosigner. I Want to Be Removed. – Ronda

      Mature woman confused

      “Dear Steve, I co-signed student loan for my son, who has graduated from college, but is not working, cannot pay the loan…I am on Social Security, and the stress is killing me. Is there any possible way to get me out of this? What needs to happen to get me removed as a co-signer. How to get out of a ... Read More »

        I’m So Far in Student Loan Debt There is No Hope for Me. – Adam

        upset young man

        “Dear Steve, I have private student loans as well as federal ones, but they gave me the loans without cosigners and the interest rates have basically made it so, despite making payments, the principal hasn’t gone down. At this point, I can’t afford to repay them all, have defaulted a few, and can barely afford the necessities needed to live. ... Read More »

          I’m Retiring with Credit Card Debt I Cannot Afford. – Terri

          retirement

          “Dear Michael, I will retiring in 2015 and I only owe American express and I can’t pay them since my only source is social security and will be moving to Mexico. I understand they can’t get my social security. Do I still need to file with the courts on this debt? Terri” Dear Terri, Whether or not you have to ... Read More »

            I’m in an Administrative Wage Garnishment. How Can I Consolidate My Student Loans? – Tina

            Thinking

            “Dear Steve, My wages are garnished for a defaulted student loan. I read your post about consolidating and getting on a reduced payment plan (IBR). I have tried this with my federal student loan agency and they will not allow me to do this. Their response is that I cannot consolidate while I am in administrative wage garnishment. They insist ... Read More »

              I Had to Return to India But Creditors are Chasing Me. – Amith

              india

              “Hi Jon, I have three credit cards and a car loan. 2 with RAK Bank and 1 with FGB. I lost my job in May 2014 and in June had to return to my home country India. I have got another offer but RAK Bank confirmed to be there is a case on me and FGB also. My car has ... Read More »

                HMRC in the UK is Asking Me to Pay Back Money I Don’t Have. – Lolita

                uk

                “Dear Jon, My question is: i just received a letter from HMRC asking me to pay back 1465.54 pounds on my tax credit from last financial year. I first got tax credit in july 2013 when i was on minimum wage, i then changed my job where i was earning minimum wage + service charge which was obviously more money…. ... Read More »

                  I’m From the US and Had to Leave the UK with Student Loan Debt

                  uk

                  “Dear Jon, American student that studied at a UK university, finances fell through, so I had to leave (I withdrew) the university and country in debt. UK collectors are now contacting me and saying that there was a breach in my immigration status since I owe debt. Since I am American, I don’t need a visa to visit, so I ... Read More »

                    Why Didn’t the Bankruptcy Court Discharge My Student Loans? I’m a Teacher.

                    hiding-1

                    “Dear Steve, My husband & I filed Chapter 7 Bankruptcy in Arizona in 2011, discharged May, 2011. We filed due to his medical conditions, which caused our family to loose a decrease in wages, which eventually led to permanent disability. We lost our house & moved back to Arkansas (5/2011) to be closer to family. I am a certified teacher, ... Read More »

                      Shouldn’t Key Bank Have Backed Off During My Bankruptcy?

                      crime scene

                      “Dear Steve, I graduated college in August 2010 and filed Chapter 13 bankruptcy in September of 2010 to get rid of some credit card debt I had. Under the bankruptcy I was told by my lawyer that my student loans would go into the automatic stay and be protected there until the discharge of my other debts was granted. This ... Read More »

                        Will Dunia Finance Send Me to Jail Over Missed Payments?

                        Food stamp or SNAP fraud seems to at relatively low measured levels.

                        “Dear Jon, I am currently working and residing in UAE particularly Dubai. i am endebted with Dunia finance, actually i missed 2 payments which i havent paid as of now but yet i am continuing my installments to my loan til now. the problem is i am pregnant and about to go home this end of october. i received calls ... Read More »

                          Will Bilkish Associates Go After Me for My UAE Debt?

                          uae

                          “Hello Jon, I have an unpaid loan of 50k EUR from RAK Bank UAE. Problem is I really cannot pay it , lost my job in Dubai and back in my country where I am unemployed. What the Bilkish Associates LLC could really do against me ? Tiby” Tiby, Just a few questions. What country are you now residing in? ... Read More »

                            What is the Process to Get ITT Tech Student Loans Forgiven?

                            raising hand

                            “Dear Steve, My husband and I both went to school at ITT Tech, a for-profit college. My husband got a Bachelor’s degree and I have an Associate’s degree. We each owe $100,000 in federal student loans. I am unemployed and my husband just started getting his wages garnished. We live paycheck to paycheck. If we could afford to pay we ... Read More »

                              Can I File Bankruptcy on My Federal Student Loans to Stop My Wage Garnishment?

                              Question Theme

                              “Dear Steve, Wage garnishment has been in effect for almost two years. I was always told that you cannot file bancruptcy on fed student loans…is this true? Currently i am garnished for 25% every two weeks. I no longer can afford my home car etc. Im losing everything. I have filed bankruptcy before and would prefer not to do it ... Read More »

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