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Ask The Get Out of Debt Experts

I Live in Wisconsin and Disabled. Can a Creditor Sue Me Again for the Same Debt? – Wendy

Ready to Collapse

“Dear Steve, I had a credit card from Capital One back in 2003(?) or 2004(?)…. In a short time, I was not able to pay on it because I ended up having to apply for Disability. So they went through the normal trying to collect, then finally, took me to court (which I was not able to make it to, ... Read More »

    Did Consumer Affairs Legal Center Close Up? – Karen

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    “Dear Steve, Hello, my name is Karen and I signed up with Consumer Affairs Legal Center back in 2010 and I am having nothing but trouble trying to contact their company regarding creditor problems. I have been following this column for a few months after one of my co-workers saw this column and knew that I had signed up with ... Read More »

      I am a Victim of Countrywide Appraisal Fraud. Where Can I Get Help? – VR

      countrywide_home_loans

      “Dear Steve, I am also a victim of Appraisal Fraud Countrywide now BofA. Resident in Northern Virginia. Where can/should I turn to seek council for my area. Everything I’ve read was for either California or New York. Your feedback regarding Real Estate Law Center was extremely valuable. I had a clue when the first “dump” of email correspondence was all ... Read More »

        Should I Ask My Sharjah, United Arab Emirates Creditor to Drop the Case? – Alvi

        uae

        “Dear Steve, I have a bounced cheque situation, the amount is not that high (14000). I couldn’t pay back since I am almost at handover of a project and want to pay the supplier asap. Since the cheque has already bounced and I have received threats from the supplier, I am a quite worried what will happen next. The supplier ... Read More »

          What is Your Honest Opinion About World Law Group? – Tammy

          Ready to Collapse

          “Dear Steve, I am in about $28,000.00 in unsecured credit card debt. I got a flyer in the mail about 3 weeks ago stating they could help me get out of debt. I called the number and in about 2 days I got a call from World Law Group and before I knew it I was signed up with them ... Read More »

            I Have Debt I Owe in the UK. Do You Think it Will Ban My Travel From the EU and UK? – Aynaz

            300px-Flag_-_Great_Britain

            “Dear Jon, Left uk with 1000£ dept to uni,what can I do I have studied half a semester in uk but left after 2 months and didnt fill that form that I want to leave uni cause i was not sute .after xmas holiday uni mailed me that i have to pay 1000£ for the rest of the semester I ... Read More »

              I’m in South Africa and My Husband is in Administration But We Need a Loan. – Rene

              Ready to Collapse

              “Dear Steve, I need a loan but do not work my husband works for me and he cant apply because he is under adminastration my question is can i apply than he can pay Rene” Dear Rene, I think you live in South Africa. If I’m wrong, let me know. But if your husband is in an administration in South ... Read More »

                I Co-Signed for a Sallie Mae Student Loan for an Ex-Boyfriend. – Lisa

                signing-contract

                “Dear Steve, When I was 18 I co-signed a Sallie Mae loan for my boyfriend. I am now 29 and we broke up about 2 years ago. He has fallen on hard times and stopped paying his loans and they are coming after me for the money. It is damaging my credit and I may need to move back in ... Read More »

                  America’s Servicing Company Won’t Modify My Mortgage. – Vicky

                  tired working woman

                  “Dear Steve, I have been trying to work with American Servicing Company for about 2 years, i have been trying to get a modification done on my home. After working with American Servicing company for 2 years and continuously denied modification on my home loan I was wondering if suing my lender would have to be my next step. I’m ... Read More »

                    We Filed a Chapter 13 Bankruptcy and Now Getting Divorced. – Nicole

                    Ready to Collapse

                    “Dear Steve, We filled backrupcy 2 years ago and it was a chapter 13. We are now going through a divorce. We have two small children and I am going to be relocating back to my home town which is cross country. At the time my husband made too much to get us into a chapter 7. Since then I ... Read More »

                      Individual Voluntary Arrangements Trapping People Over Payment Protection Insurance

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                      Brits in Individual Voluntary Arrangements (IVAs) are finding that even after they have spent five years repaying their debt through the binding debt repayment approach they are still stuck in the IVA and can’t get out. As part of the IVA process in the UK, consumers are told they must file a claim for overpayments of payment protection insurance (PPI) ... Read More »

                        What is My Best Course of Action to Resolve My Problem With the IRS? – Steven

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                        “Dear Jim, I failed to file for the years 1999 through 2006. I have now filed all of the missing returns, as of the end of 2011. The resulting tax and penalties is $300,000+. My financial situation is very bad, as the result of two periods of unemployment. I don’t have the savings or the income to pay this debt. ... Read More »

                          I Can’t Get My Mortgage Modified and I’m Behind on Credit Card Debt. – Doug

                          boa

                          “Dear Steve, I Was Injured On The Job An Can No Longer Work .When This Happened I Worked Out My Income Over The Next 5 Years The First 2 Years My Income Droped 35% The Next Year Another 15% The 4th Year Another 15% This Is Where My Income Is At This Time. The First 2 Years I made All ... Read More »

                            I Moved Back to the UK and Contacted About a Debt I Don’t Recognize From 2005. – Jen

                            “Hi Jon I have just received a letter out of the blue from a company who say they purchased my debt from a catalogue company. All the letter says is that the account was opened in 2005 and I have had no contact with anyone regarding such a debt in those 7 years. The strange thing is, I paid off ... Read More »

                              I’m Way Behind in Paying My Payroll Taxes. How Can I Work With IRS? – Daniel

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                              “Dear Jim, I own a fire protection company that does around 4 million a year. It is a c corp. We are $500,000 behind in payroll tax,s. Our business is picking up substantually and I believe we will make it through this extreme situation Can you help me What is the best way to work this out with the IRS ... Read More »

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