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Ask The Get Out of Debt Experts

I Want to Start My Own Business But I Have Bad Credit. – Rondell

chalkboard

“Dear Steve, 49 years old….i work construction…i make pretty good money…i want to start my own buisness…with in the next two years…my credit score is in the dumps about 580…im very shame of this…at one time i had a credit score of 750…i didnt take any of it serious…want to better my credit score and financial situation.. Im $15,000…in debt ... Read More »

    I’m a Single Mother. How Can I Get Out of This Debt and Get Ahead in Life? – Shauna

    yard

    “Dear Steve, Hi, Steve! My name is Shauna and I am a 22 year old single mother attending a community college and living at home with my mother and three other siblings in a 3 bedroom apartment. A lot, right? Well, the thing is that I used to attend an university but was kicked out due to a substantial financial ... Read More »

      Capital One Sued Me and Lost But Issued Me a 1099 and Now I Have to Pay the IRS. – Paul

      IRS

      “Dear Jim, Capital one sued me on a debt and it was dismissed without prejudice , they didn’t show up. about 7 months later they sued me again. this time i hired a lawyer and it was dismissed with prejudice. they can’t sue me again..yay. now almost a year later. i get a letter from IRS saying i owe back ... Read More »

        I Am a Special Education Teacher and Facing a Wage Garnishment for My Student Loans. – Lucinda

        teacher

        “Dear Steve, I am an special education teacher, been teaching 9 years. My student loans have been garnished, taxes taken as well for the last three years. with the incoming coming out of my paycheck, i lost my apartment twice. The second time, i had lost my teaching certificate for a few months and job position. I am not teaching ... Read More »

          My Life Partner Died Suddenly and Left Me Sinking in Foreclosure. – Barb

          Young stress woman

          “Dear Steve, My question is regarding avoiding foreclosure but the nature of my circumstance is rather unusual. Let me start by explaining that I just recently learned that my life partner of 20 years was over a year behind on our mortgage payments when, about 2 months ago I answered the door to a foreclosure notice from the bank. There ... Read More »

            I Left the U.S. With Debt and Now Collectors Are Calling My Mom. – Kathleen

            moving

            “Dear Steve, My name is Kathleen and I’m sure you’ve heard every story under the sun by now. My life has been a downward financial spiral. I’ve been living off of odd jobs and my credit cards to survive. In October, I left LA and moved to Asia, where I am now. Hopefully, I’ll find better work with my resident ... Read More »

              Preferred Law Doesn’t Communicate With Me About My Loan Modification With NationStar. – Al

              worried

              “Dear Steve, I am currently working with Preferred Law, in Sandy, Utah. I noticed many negative remarks concerning their business practices. They are supposed to be helping me with issues regarding my Loan Modification from Aurora Bank that was totally approved. A few weeks after the approval and continued making payments, Aurora sold the account to NationStar Mortgage which NationStar ... Read More »

                I Had a Problem With a Purchase Made Through Ebay and the Seller Sued Me. – Steve

                closeup of a gavel on cash, from above

                “Dear Steve, Purchase made through Ebay. Item not as described and seller would not take back merchandise nor communicate. Seller has sued me in Arizona and got a default judgement. I was never served but have found out that “Alternative Service” was approved by the judge and they used “Nail and Mail”, or what the court calls, “Post and Mail” ... Read More »

                  We Can’t Afford Our Furniture Payments or Payment Plans They’ve Offered. – Jason

                  furniture store

                  “Dear Steve, My wife lost her job we became 7 month’s behind on our furniture payments the debt was bought out by a third party they called with an offer we couldn’t afford 300$ a month for 5 months I asked if we could do 150$ because we couldn’t afford what They were asking they said no and then came ... Read More »

                    Recent Law School Graduate With Massive Student Loan Debt. Help! – JM

                    Student Loan Corkboard Concept

                    “Dear Steve, Recent law school graduate. Legal job at $10/hr, part time. $250,000 in loans (includes 4.5 years undergrad and 3 law school without any family assistance or preparation) accruing interest. Required monthly payments at just under $4500/month, can’t afford rent, gas, food, etc. Living tentatively with family. Hopeless and deeply, deeply scared. Waiting IBR request. Completely overwhelmed and desperate. ... Read More »

                      My 78 Year Old Mother is Struggling Under Her Debt. – Dorothy

                      mother-daughter

                      “Dear Steve, My mother is 78 year old and has accumulated a significant amount of credit card debt (14,000). This debt is spread across nine different credit cards with varying interest rates which she attempts to keep current paying minimum payments. She has used balance transfer options when possible to reduce interest rates. However, she has had some trouble at ... Read More »

                        How Can I Find an Honest and Legitimate Debt Consolidation Loan Company? – Richard

                        Ready to Collapse

                        “Dear Steve, We have about 25k in debt. This is old debt and not because we spend alot of money.. We have 250k in equity in our house and have been trying to get a second on our house so we could pay this debt but because our credit is about 650 (all payments are on time it is just ... Read More »

                          I Filed Bankruptcy Last Year But Now Want Out From Under My Mortgages. – David

                          Real Estate Concept

                          “Dear Steve, I have a 1st mortgage at 7.67% and a second at 12.25% I am not able to refinance because there is no equity in my home at this time plus I had a bankruptsy dicharge a year ago. I also do not qualify for modification because I am and have always been current or ahead in my loan ... Read More »

                            Active Duty Deployed Military Member Needs to Deal With Debt to Retire. – Sawlin

                            Meeting with Pusht-e Rod leadership

                            “Dear Steve, Personal Loan : 9,000 (Paid all on 18/10/2012) Interest Outstanding : 41,000 Need Good Credit Record documents from the bank to process military retirement (will be retired on 06/01/2013) Credit Union at first agreed to process when the principal amount paid by after payment of the 9,000 (on 18/10/2012), the officer said its the bank policy to pay ... Read More »

                              America’s Consumer Advocacy Group & Denny Lake Sent Me to Elite Legal Group. – Fran

                              Why?

                              “Hi Steve, I’m a 58 year old single mom I live in garden grove California and I need a loan modification BAD. I’m on a 10 yr IO and I can’t get any help from Wells Fargo we qualify for making homes affordable according to my HAMP report we got from America’s consumer advocacy group. The under writer Denny Lake ... Read More »

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