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Ask The Get Out of Debt Experts

I Don’t Want to Claim Bankruptcy But Have No Means to Pay Our Debt. – Dawn

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“Dear Steve, I work full time, and do extra jobs just to make it each month. We have credit card debt (our own fault) approxiamately 20,0000.00 with the economy inflation paying monthly bills-home, food, electric etc. has been a struggle. We have stopped paying 3 credit cards due to being short on money, we did contact them prior to stopping ... Read More »

    Will I Be in Trouble When I Try to Get Into the UK Because of My Debt? – Samad

    “Dear Jon, I’m british citizen and was on repayment plane with gragory pennington. due to family problem i had to come home in aug 2011 and couldn’t pay the instalments and mobile phone bills for more then a year. got few parking tickets my question is will I be in trouble in airport when I come to uk? & what’s ... Read More »

      My Life Has Been the Perfect Storm of a Sinkhole and a Debt Nightmare. – Shannon

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      “Hi Steve, I am the perfect storm of a life changing full life debt nightmare!( A little dramatic perhaps, but here goes) I am a 34 year old mom of a wonderful son. I started a small(and at the time, successful) business out of my home in 2005. Things were great, bought a house in Florida in 05 and thought ... Read More »

        Can Creditors and My Ex-Wife Seize My Debt Settlement Escrow Account? – Gary

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        “Dear Steve, I owe $200,000 in unsecured credit card debt. My mortgage is 40% underwater (interest only nothing down), I am 66 and have Social Security and a small pension ($1,800 per mo.) I am working on starting a small business for which i have accumulated considerable additional debt. I do believe it will work and i will make a ... Read More »

          Filed for Chapter 13 Bankruptcy Two Years Ago and Can’t Afford the Payments. – Dani

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          “Dear Steve, Filled for chapter 13 2 years ago. Cant afford payments My fiancé filled for bankruptcy 2 years ago because him and his exwife maxed out the mortgage on his decreased parents house that was at one time paid off. The courts ruled that she didn’t have to pay a dime towards something She helped destroy. Since he filled ... Read More »

            I Went Through a Divorce and My Ex-Wife Filed Bankruptcy. – Dennis

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            “Dear Steve, i went through a divorce 2 years ago. my ex and i split our debt . she filed bankruptcy after we divorced all the debt is soley in my name. i have been trying to pay it off over the last 2 years and i am in worse shape now than i was then I have 412,400 in ... Read More »

              I Was Working With World Law and My Creditor Took Me to Court. – Jeanette

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              “Dear Steve, Steve, I also asked Damon this because he responded to my post. Background: you submitted my complaint against World Law this afternoon – thank you. And thank you for the guidance you have provided on this website. I followed your advice. I kept the complaint factual instead of just a personal vendetta and since they did not reply ... Read More »

                I Am Afraid the the National Advocacy Program is a Scam? – Shelley

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                “Dear Steve, I have been trying to get Bank of America to work with me for three years on a modification. I have had no luck. I came across a company that goes by the name; National Advocacy Program. They told me I qualifiy for their help at a cost of $3,500. I have tried to get som information about ... Read More »

                  I’m Getting Calls That LHDR is in Bad Shape and May Be Put Out of Business. – Pat

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                  “Dear Steve, I signed up with Legal Helpers Debt Resolutions three years ago and have just made my last contracted payment to them this month. I had approximately $25,000 worth of credit card debt. I paid my last contracted payment to them this month and now receive a call from some other company, claiming to be their processing company, telling ... Read More »

                    My Pay is Being Garnished for My Ex-Husbands Debt I Went Along With. – Alisha

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                    “Dear Steve, In 2006 before my ex-husband and I were married, we obtained a personal loan as joint in the amount of $6,000.00. This loan was initially for him and he made the payments, but I agreed to use my vehicle as collateral. My ex-husband stopped making the payments and as a result my car was repossed and auctioned off ... Read More »

                      My UK Payday Loan Lenders Don’t Understand I Suffer from Depression and Post Traumatic Stress. – Trudi

                      “Dear Jon, Im in debt with payday loans i have 4 totaling 1250 pound. also 3 credit cards totaling 750 pound and 2 catalogues owing 1200pound and can’t afford to pay them. i suffer from depression and post traumatic stres . they keep showing me i don’t feel able to tell my husband i feel so guilty i was off ... Read More »

                        All Sallie Mae Cares About is Getting Money From Me. – Rosa

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                        “Dear Steve, I have private loans with Sallie Mae totaling $37.000 plus federal loans in the amount of $85.000 totaling $127,000. The federal loans are deffered and I am not paying anything, but Sallie Mae gave me two years after I graduated in 2010, paying $150 every 3 month to put the loans in forebereance. In November I will have ... Read More »

                          Sallie Mae Said They Were Willing to Release Me as a Co-Borrower. – David

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                          “Dear Steve, I’ve cosigned 3 Sallie Mae loans and had my signature forged on a fourth loan original principal was $32k. Now with interest, penalties, etc. the balance is about $50K. I’ve no idea where the primary borrower is and his mother (an ex-girlfriend) is somewhere in Florida, but not responded to any phone calls, texts, nor emails since May. ... Read More »

                            I’m on a Debt Management Plan But Still Struggling. – John

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                            “Dear Steve, I am well educated, have a good job & make decent money. About 5 years ago we purchased a house, which in 1 year rose in market value from $109K to $249K, we figured we were sitting on a gold mine, so we borrowed against it to pay off my wife’s legal bills in getting sole custody of ... Read More »

                              I Can Make the Minimum Credit Card Payments But Trying to Decide Between MMI and Bankruptcy. – Tony

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                              “Dear Steve, Own a home, divorced, alimony is $375/month through May 2013, a $500/month loan with lending club through July 2013. House payment is $1,250 including assessments. Credit card debt alone is $25,000. Lending Club loan has about $6,000 left. Total unsecured debt is about $35,000, including student loan. My house isn’t selling — the one two floors below just ... Read More »

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