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Ask The Get Out of Debt Experts

My Parents Were Contacted by Debt Relief Centers of America. – Sharron

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“Dear Steve, First I just wanted to thank you for what you do….I have been helping my parents evaluate debt settlement ‘companies’ (I now prefer to call them predators) and your site has been extremely helpful. I also wanted to submit some information that I hope can help someone else going through the same process My parents were recently contacted ... Read More »

    Buried in Payday Loans. What Are Our Options With Poor Credit? – Jaime

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    “Dear Steve, My husband and I are currently buried in 4 different payday loans which is costing us over $1200/month. The sick part is…without these ridiculous payments we would be doing just fine. It is so frustrating that we allowed ourselves to get into the situation in the first place. I saw your advice about Lending Club and wanted to ... Read More »

      My Chapter 13 Bankruptcy Was Dismissed. Wells Fargo is Suing Me. What Now? – Gina

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      “Dear Steve, I am being sued by Wells Fargo Attorney for a credit card debit, I’ve attempted by letter to attorney to state my circumstances and that I was willing to pay 33% of the bill in full, however they still proceeded to file. What should I do at this point. I’m willing to pay some of it but I ... Read More »

        Can I Get Rid of My 1-800LoanMart Title Loan by Filing Bankruptcy? – Mai

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        “Dear Steve, Currently trying to pay my lawyer so I can file chapter 7 BK. Took out a car title loan with 800 loan mart ($3500). Payments are 355/mo for 24 months. My husband currently lost his job and I do not think I can afford this payment.. I have to make a sacrafice, and it is either the car ... Read More »

          Blank? Mortgage Requires Some Money Up-Front to Help me With My Mortgage. – Cindy

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          “Dear Steve, Hi my name is Cindy. I tried several times to modify my mortgage loan to a lower monthly payment with my bank. Unfortunately, my bank dined me every time afterwards, they insist I try again later. I began to search for other means to have my mortgage modified. I came across the following companies. Blank? Law Group which ... Read More »

            This Company Said They Can Settle My Debt For Me. – David

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            “Dear Steve, Due to divorce, I had a foreclosed mortgage 2 years ago. Was going through a short sale for about a year before the foreclosure. Was relieved on the first. After about 5 months during the short sale process the second lender turned it over to the PMI company. They have sent me letters for about a year. Now ... Read More »

              What Company Can Setup a Levy Release Payment Plan With The IRS for Me? – Yolanda

              “Dear Jim, I currently own back taxes and just had my bank account hit with Levy. What tax relief company can help get the levy off and set up payment paid that can support my budget. I just started work and have alot of bills. The levy placed my account in a negtive, can’t pay my rent and other items ... Read More »

                I Attended the International Academy of Design & Technology IADT in Chicago Won’t Release My Transcript. – Sam

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                “Dear Steve, I attended IADT in Chicago Fall 1999. I met with an academic adviser who I soon learned was a salesperson not an adviser, I expressed my concern over the high tuition costs and was told that I need to pay an enrollment fee and that the rest would be covered by financial aid and loans. I did what ... Read More »

                  Wells Fargo Referred Me to Take Charge America for Credit Counseling Help. Should I Go With Them? – Charlotte

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                  “Dear Steve, Can I trust Take Charge America? I had read a little bit about Take Charge America on your site. I noticed they had filed a lawsuit with the IRS and laid off employees, but my creditor Wells Fargo referred me to them, so I completed what they call a financial assessment. I gave them all of my credit ... Read More »

                    Bankruptcy Doesn’t Exist Here and I Don’t Want to Go to Jail Again. – Remie

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                    “Hi Steve, for now i can reveal myself as Remle for various reasons, I have been unemployed for more than two years now due to my previous company’s decision to put me in jail. I would call it an entrapment, landed in jail and served for three months here in the U.A.E. My case is about bounce check. My question ... Read More »

                      Husband Had Cancer and American Express Won’t Help Me With Reduced Payments

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                      “Dear Steve, I lost my job 2 years ago and have been searching for one ever since. I am 63 years old and have spent my whole working life in a management position. Now, if I get an interview, they say you are over qualified. In other words I am too old. So for the past two years we have ... Read More »

                        I Am Not Sharpest Financial Knife in the Drawer. – Siva

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                        “Dear Steve, Income recently decreased from 80,000 to 35,000. Have signed with Elite Financial Solutions Ft. Lauderdale FLA, to help me get my debt under control. Now I am not sure if this place is legit or NOT. I really need a clearer cut answer as I am not the sharpest financial knife in the drawer. Okay, more like a ... Read More »

                          I’m a Teacher. My Husband Took a Pay Cut. We Can’t Make Ends Meet. – Jenifer

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                          “Dear Steve, I am married with two children under 4 and rent my house. My rent is 750.00/mo., car payment is 550.00/mo., daycare is 1000.00/mo., loan is 450/mo., and then we have the usual utilities and cell phone bills. Two years ago my husband lost his job, then last year he changed jobs. He currently gets paid $10.00/hr. and I ... Read More »

                            WWII Vet Spends Down Retirement Accounts Trying to Make Payments – Bill

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                            “Dear Steve, 85 Year old WWII vet, ill health, In the late 80’s and early 90’s ran up $125,000 on several credit cards due to medical expenses and travel to other states to care for both our parents. We have spent all our IRA and about 85% of 401k on these bank cards. After retirement, got another job and paid ... Read More »

                              I’m in India But Left the UK With Debt in 2012. Can I Come Back to the UK? – Khan

                              “Dear Jon, I came to UK as student in 2010 and left in march 2012 as I have finished my PGD. I was decided to apply for Masters course but could not my family shifts from Pakistan to India because facing of prosecution. I came to India to join my family and we got our nationality in six months as ... Read More »

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