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Ask The Get Out of Debt Experts

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 »

    I Went to Study in the U.S. But Now Back in the UK and Left Debt Behind. What Can I Do? – Greg

    “Dear Jon, Non US-citizen (EU citizen), entered the US under a 5 year student visa in 2008. Left the US after 3 years, however left the US with a credit card debt of around $3,000 and an unpaid college bill of around $3,000, so a total debt of around $6,000. The credit card debt is with a popular bank in ... Read More »

      My Job Went to China and I Don’t Want to Ruin My Security Clearance With My Debt. – Jeff

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      “Dear Steve, After 21 years with the company where I thought I retire my position was eliminated when our manufacturing processing was moved to China. Went from an $85k income in 2005 to $42k now. In my arrogance I thought I would be back and the same level within a couple of years. Over the past 7 years we have ... Read More »

        American Express Didn’t Show Up for the Court Date. What Now? – Kate

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        “Dear Steve, American Express is suing my friend that had a lot of medical problems and couldn’t pay his bills. He sent them a letter explaining this and got the court date changed. On the day of the court date, my friend slept through the court date but was notified that American Express didn’t show up either and they haven’t ... Read More »

          Can I Bring My Wife Into the UK if I File Bankruptcy? – Tom

          “Dear Jon, i have financial problem since 2008.owed over 32000 from credit cards and different creditors. went on repayment plane for 3 years.since last year i couldn’t pay the instalments, my question is if I declare my self bankrupt can i own a car ? how long the bancrupcy remain?and how does its effect my life? can i bring my ... Read More »

            What Do You Know About Debt Source Solutions? – Jason

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            “Dear Steve, I’ve been trying to help my disabled father for over a year. His mortgage loan originated with country wide, then it ended up landing with BOFA. It’s been next to impossible to get a so called *HAMP, or *HUD help since they are nothing more than credit counseling centers that corresspond with the banks if *LUCKY. I am ... Read More »

              I Overspent On My Kids Because I Was Depressed and Now I Have a Lot of Debt

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              “Dear Steve, I am a single mom with 2 kids. I live with my children and for a very long time I was not working a full time job. I bought everything extra (clothes for the kids, toys) with my credit cards and I was kind of depressed so I know I bought more than I should have. So $20,000 ... Read More »

                I Graduated from Art School With 100K in Private Student Loans. – Mike

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                “Dear Steve, Graduate from 2 art schools. Certificate in Art Direction. Have worked in the industry and am currently a graphic designer. I am in $100,000 in student loan debt. Its a private loan so from my research and meeting with lawyers Im pretty much out of luck with any other repayment options other then what my lender wants to ... Read More »

                  What is Going on With Lawsuit Against Freedom Financial and Alliance8? – Lori

                  “Dear Steve, Is there any NEW information out there re: the status of the Class Action Law Suit against Freedom Financial (Alliance 8) debt consolidation? Its been almost a year now and I can’t find anything thats updated about the court status. There was a company, Insolvency (?) in Calif. that was letting clients know. I haven’t been getting a ... Read More »

                    My Friend Went With Fidelity Land Trust. She’s Not Sure if it’s a Sham? – Nelsa

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                    “Dear Steve, I have a friend who could not afford her morgage payments and was approaching forclosure, she tried to do a modification with the mortgage company but they did not instead they sold the mortage to a nother company. This left the homeowner desperate and afraid of loosing her home, so he hired an athorney to continue fight with ... Read More »

                      I’m Looking for Proof of the Claims Made by AJ Narasimhan and Jose Garavito of Mortgage Eliminators

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                      “Dear Steve, On July 29 2012, I listen in to a “workshop” given by AJ Narasimhan, CEO and Jose Garavito, General Manager of Mortgage Eliminators. They claimed that they had over 100 Quiet Title Wins in Bankruptcy Court via the Adversial Process, therefore the BK Court was your friend. I have made a number of attempts to speak with the ... Read More »

                        How Do I Get an Educational Credit From the IRS? – Jok

                        “Dear Jim, Hi I need your help. I just received a letter from the IRS claiming the information they have for me on file regarding my wage, miscellaneous income, interest income tax withheld, earned income credit etc does not match entries on my 2010 form 1040a. So I went to see my Tax lady and she told me its because ... Read More »

                          Debt Validation of America, The Firm, Kurt K. Mohnsam Won’t Give Us Our Money Back

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                          “Dear Steve, Your forum has given me so much information. I have been battling these people for a long time. I am another victim of these companies that promise to help you manage your debt. We have settled the debts, not them. They only settled 1 out of 9. They will not give us our settlement money that is ours. ... Read More »

                            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 »

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