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Ask The Get Out of Debt Experts

My Fiancé Co-Signed on a Business Loan 5 Years Ago. The Company Filed Bankruptcy. – Liza

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“Dear Steve, My fiance co-signed on a business loan 5 years ago. The company filed bankruptcy, and the company owners (they used their home as collateral) filed bankruptcy as well, leaving my fiance with the full debt. 5 years ago we had the money to pay it ($350K). Due to the recession, drop in stock values and the loss of ... Read More »

    What Should I Look for In a Secured Card? – Lorraine

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    “Dear Steve, I have a really bad credit score, and I am trying to slowly but surely raise that. I have already paid all of my accounts that were in collections, and disputed two of those accounts. I am going to follow your advice and get a secured credit card, but I am a little overwhelmed when it comes to ... Read More »

      How Do I Make My Private Student Loan Lenders Consolidate My Debt? – Shannon

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      “Dear Steve, I have insurmountable student loan debt. I know I am not the only person in this situation, but need help especially with how to handle private loan lenders. I hold both federal and private student loans. The federals are easier to deal with, and it seems that there are companies that will help consolitate those types without a ... Read More »

        Chase Bank Won’t Remove a Deed in Lieu on My Credit Report. – Shannon

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        “Dear Steve, I had a deed in lieu on a property in 2006 and in the process of trying to get it removed by contacting both the bank and credit bureau….the mortgage had need sold at least 3x and now Chase bank owns it. So after 2-3 letters to both the bank and credit bureaus….denying the fact …..I finally received ... Read More »

          I Left London and Moved Out of the UK But My Roommate Never Paid the Rent. – Liliana

          “Dear Jon, I was living in london for a year, after I came back to my country, I knew that my room mate never paid the rent to our land lord, i was in the warranty´s papers How I can know if i am in a list for debtors in London??? Liliana” Liliana, There really isn’t one place where people ... Read More »

            Can My Mom Lower Her Mortgage With Green Tree? – Kenetha

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            “Dear Steve, Hi, I have a question about my Mom’s mortage. She has been living in a home for the past 15 years. She purchased the home for 29 thousand with something in the range of 10% intrest rate. 15years later she stills owe around 25 thousand and is now on a fixed income of about 900 a mo. Her ... Read More »

              Would Filing for Bankruptcy Be Best Thing for Us? – Mary

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              “Dear Steve, We were in need of some money to pay our rent that we got behind on after our son died in 2011, when he passed he had no insurance and it was a struggle to come up with the money for his funeral. we have been struggling with all our bills after his death and have not been ... Read More »

                The Credit Card Company Says My Husband is Responsible for Debt on a Card But I Think He’s Only an Authorized User. – Stephanie

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                “Dear Steve, Rebuilding credit after being laid off in 2007 and going back to school full time; signed up with a debt consolidation program at the time which turned out to be a scam. We lost thousands with them and tried reporting it to the Attorney General, etc., but nothing came of it. Ended up with approximately $30,000 in debt, ... Read More »

                  Have You Heard of BlackRock Professional Corporation? – Rick

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                  “Dear Steve, I made it through modification but have high credit card debt I want to know if anyone know a good debt settlement company of if you or anyone have heard about Have you heard of BlackRock Professional Corporation San Diego they have some good reviews on line but I don’t want to get scammed.. I have high credit ... Read More »

                    What Can I Expect From Chase Visa as We Near Charge Off? – Sarah

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                    “Dear Steve, Our $25,000 debt with Chase Visa is close to ‘charge off’ (approx. 30 days) as we are 6 months behind. So far, Chase have refused to settle – we had offered a $10,000 ‘one time’ (not installments) settlement payment to come from a family member. But most recently (they called about 2 weeks ago) we offered $8,000 as ... Read More »

                      Should I Declare Bankruptcy or Wait Four Years? – Lisa

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                      “Dear Steve, I used to make $140k, but then got divorced and lost my job. We had over $100k in credit card debt. My husband already declared BK but I haven’t for fear it would reduce my employability. My debt went delinquent 9/09 so I have already put in 3 years and they will fall off my credit in four ... Read More »

                        My Power Company is Suing Me. I Don’t Have the Money to Pay. – Megan

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                        “Dear Steve, I moved a year ago( October 2011) and my power company changed. Before I had been on equal pay. When I closed my account with the first company, they said I owed over $700. I made one small payment to the company. Soon after they cashed that check they sent me to a collections agency, Bonneville collections Check ... Read More »

                          Mr. Chapman Says He Can Drop My Mortgage Payment. – Della

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                          “Dear Steve, I too talked to Mr. Chapman like another reader posted. Was told he could drop my mortgage anount by 50k. And payments would drop $300.00 a month. He ask for my bank info. so $660.00? Could be taken out each month to hold. He stated it would take 4 months for him to do this for me. And ... Read More »

                            I Moved to Mexico. Can Collection Agencies Come After Me Here for My American Debt? – Pilar

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                            “Dear Steve, I live in Mexico and I am still legally married. I have debt in my name. Can collection agencies collect or sue my husband? My husband and I are no longer living together, we separated two months ago. He stayed in AZ and I moved to Mexico and I am not planning in returning to live in the ... Read More »

                              Should I Talk to a Bankruptcy Lawyer Before Deciding What to Do? – Elle

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                              “Dear Steve, $50k in credit card debt Car loan Own my home A debt settlement company called me this evening explaining their program. They are telling me that using them only drops your credit score 50 points and once all the debts are paid 3 years from now your credit is back to good. They said they can settle my ... Read More »

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