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Ask The Get Out of Debt Experts

Would Filing for Bankruptcy Be Best Thing for Us? – Mary

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“Dear Steve, We were in need of some money to pay our rent that we got behind on after our son died in 2011, when he passed he had no insurance and it was a struggle to come up with the money for his funeral. we have been struggling with all our bills after his death and have not been ... Read More »

    The Credit Card Company Says My Husband is Responsible for Debt on a Card But I Think He’s Only an Authorized User. – Stephanie

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    “Dear Steve, Rebuilding credit after being laid off in 2007 and going back to school full time; signed up with a debt consolidation program at the time which turned out to be a scam. We lost thousands with them and tried reporting it to the Attorney General, etc., but nothing came of it. Ended up with approximately $30,000 in debt, ... Read More »

      Have You Heard of BlackRock Professional Corporation? – Rick

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      “Dear Steve, I made it through modification but have high credit card debt I want to know if anyone know a good debt settlement company of if you or anyone have heard about Have you heard of BlackRock Professional Corporation San Diego they have some good reviews on line but I don’t want to get scammed.. I have high credit ... Read More »

        What Can I Expect From Chase Visa as We Near Charge Off? – Sarah

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        “Dear Steve, Our $25,000 debt with Chase Visa is close to ‘charge off’ (approx. 30 days) as we are 6 months behind. So far, Chase have refused to settle – we had offered a $10,000 ‘one time’ (not installments) settlement payment to come from a family member. But most recently (they called about 2 weeks ago) we offered $8,000 as ... Read More »

          Should I Declare Bankruptcy or Wait Four Years? – Lisa

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          “Dear Steve, I used to make $140k, but then got divorced and lost my job. We had over $100k in credit card debt. My husband already declared BK but I haven’t for fear it would reduce my employability. My debt went delinquent 9/09 so I have already put in 3 years and they will fall off my credit in four ... Read More »

            My Power Company is Suing Me. I Don’t Have the Money to Pay. – Megan

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            “Dear Steve, I moved a year ago( October 2011) and my power company changed. Before I had been on equal pay. When I closed my account with the first company, they said I owed over $700. I made one small payment to the company. Soon after they cashed that check they sent me to a collections agency, Bonneville collections Check ... Read More »

              Mr. Chapman Says He Can Drop My Mortgage Payment. – Della

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              “Dear Steve, I too talked to Mr. Chapman like another reader posted. Was told he could drop my mortgage anount by 50k. And payments would drop $300.00 a month. He ask for my bank info. so $660.00? Could be taken out each month to hold. He stated it would take 4 months for him to do this for me. And ... Read More »

                I Moved to Mexico. Can Collection Agencies Come After Me Here for My American Debt? – Pilar

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                “Dear Steve, I live in Mexico and I am still legally married. I have debt in my name. Can collection agencies collect or sue my husband? My husband and I are no longer living together, we separated two months ago. He stayed in AZ and I moved to Mexico and I am not planning in returning to live in the ... Read More »

                  Should I Talk to a Bankruptcy Lawyer Before Deciding What to Do? – Elle

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                  “Dear Steve, $50k in credit card debt Car loan Own my home A debt settlement company called me this evening explaining their program. They are telling me that using them only drops your credit score 50 points and once all the debts are paid 3 years from now your credit is back to good. They said they can settle my ... Read More »

                    I Have Prostate Cancer and Trying to Get My Mortgage Modified? – Steve

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                    “Dear Steve, We bought our current home as he market feel out from under us in 2007. In late 2006 we have 300-400K in equity in two homes. By the time we closed we one under water (eventual short sale) and one we made $22K on. Our $540K purchase was initially on a bridge loan as we sold these other ... Read More »

                      Living in Republic of Ireland and Struggling to Make Property Payments. Will We Lose Our UK Property?

                      “Dear Jon, I lived in the Republic of ireland from 2000-2008. My husband and I purchased a property there in 2005. We are struggling to make the payments on this property as we have since bought a house in northern Ireland (where we have lived since 2008). My question is if we were to foreclose on the Republic of Ireland ... Read More »

                        The IRS Payment Demands Are Crippling Us With Our Other Bills. What Can We Do?

                        “Dear Jim, Our employer (my husband and i worked for the same company for the past 5 years) took deductions for state and federal taxes totaling 11% instead of the usual 25% which we, unfortunately, caught too late. We are now on a payment plan for the states we owe (there are two since we relocated from one state to ... Read More »

                          I’m Looking for Information on Liberty Credit Law. – Rick

                          “Dear Jon, Just retired after 36 years in education. Retirement income is half of previous income. My wife works in school system as well. Our health insurance has increased 300 fold. While we were both employed previously our insurance was just dollars a month. Now that she has picked me up it’s increased to 300 a check or 600 a ... Read More »

                            The Developer in Ireland Has Gone Bankrupt in the UK. Can I Get My Money Back?

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                            “Dear Steve, I am writing about a developer that owes me money for a property deal that was to take place in the Republic of Ireland. I have received a High Court judgement in Ireland, and the bill of costs (which were awarded against him) are just being drawn up. However; just recently the developer has been declared bankrupt in ... Read More »

                              I’m Wondering is a Debt Consolidation Loan is a Good Idea to Pay Off My Debt. – Kristen

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                              “Dear Steve, So a few years ago I got credit card happy and racked up high amounts of debt. I had help paying some of them and then paid a lot myself recently. After reviewing my credit report. I think I might have 1-3 credit cards to pay. I am wondering if a debt consolidation program would be good for ... Read More »

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