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Ask The Get Out of Debt Experts

Should I Go With Frank Barilla to File Bankruptcy to Save My Home? – Randy


“Dear Steve, I’m looking to file a chapter 13. I have to do this to save my house and get my payments back on track. Since July of this year I have met with a few different bankruptcy lawyers but I may go with Barilla law they have a fair price but I notice you had some articles on he ... Read More »

    My Fiancee is in Debt. How Can We Get Rid of it Before We Marry? – David

    "Credit rating" handwritten with white chalk on a blackboard

    “Dear Steve, My fiance is in about $2,000 debt. I knew he had debt but we’re just now talking about all of this. It’s with three different places. Golds Gym -$861, Dish Network -$479, and Verizon -$789. We were planning on finding our own apartment in less than a year but we need this paid off before we do anything; ... Read More »

      Recently Retired from Military and in a Big Debt Hole From Job Loss. – Matt

      Meeting with Pusht-e Rod leadership

      “Dear Steve, I am recently military retiree (Jun 2012) who was making around $135K, upon retirement and losing my civilian job a few months ago I found myself in a real hole living off about 40% of $135K or about $48K and a small teaching job of $900 per month. TO make a long story short we have a short ... Read More »

        Real Estate Defense Law Group Called Me to Sell Me Mortgage Modification Help. – Rita

        Screen Shot 2012-12-13 at 5.03.54 PM

        “Dear Steve, I got called by defenselawteam.com in Boca Raton.. I am in a very bad way with my mortgage and this company wants 5,000 to help me.. are they legitimate? Rita” Dear Rita, The minute I hear about a company calling to sell you some type of help my radar goes wild. Let’s put this into context, someone is ... Read More »

          Will I Be Arrested in a GCC Country if I Have An Outstanding Debt in the UAE? – Kumar


          “Dear Jon, I was in UAE and worked for 05 years and had a perosnal loan of AED 100000 ( i had paid my imonlthly instalmentys for 03 years, but i am not aware of the balance) and some credit cards of around AED 50000, before i left UAE in 2010, since i had lost my job. Now, I got ... Read More »

            Can I Trust the National Advocacy Program to Modify My Mortgage?

            Screen Shot 2012-12-13 at 4.23.59 PM

            “Dear Steve, My wife’s home of over 2MM is deep underwater. Plus escalation rate has risen very, very high. HAMP program: I want to find out about the National Advocacy Program which tells me that my wife’s home of over 2MM can be adjusted to under 900K with a 2% rate. When I Google http://www.nationaladvocacypro… I see some good comments ... Read More »

              I Need an Honest Mortgage Reduction Company. – Sharie

              Real Estate Concept

              “Dear Steve, Dear steve I am trying to find out more about the hamp program and any other program that may be available to me. I’m desperately seeking an honest debt reduction program. Sharie” Dear Sharie, There are so many mortgage reduction scam companies out there that you are correct to be concerned about finding an honest company. Many try ... Read More »

                Hurricane Sandy Slammed Into My Finances. What Should I Do?


                “Dear Steve, Yesterday a very dear family member came over to ask for some debt advice. Because my husband and I are the only ones in the family with sound financials (we are both 30, live in Manhattan, have zero debt, and are about to buy an apartment where we are putting a minimum of 20% down with a less ... Read More »

                  Can I Consolidate My Student Loans With Someone Other Than Nelnet? – Linnea

                  Screen Shot 2012-12-13 at 2.28.03 PM

                  “Dear Steve, I have a situation that not many may be in, so I understand if you can’t answer my question. I worked and went to school, got my bachelor’s, and then did 3 semesters of grad work before dropping out. In total I had about $35k in loans. I was able to consolidate my loans and got a ridiculously ... Read More »

                    I’m Going Back to London for a Job Interview. Will I Get Arrested at the Border? – Maya


                    “Dear Jon, I have lived in London for few years,studied also.During that time i took a loan for 20,000 pounds and was paying it off for a year untill i got refused the work permit and also because all of that stress i got ill and had to go back home in one of the non EU countries… So after ... Read More »

                      Can I File a DRO From Outside the UK?


                      “Dear Jon, I have debt of 10K in UK. I took up these loans thinking I could repay them in due course of time.Although I did paid up for the 3 consecutive loan installment as I was earning. But due to change in visa rules I was forced to leave job and cldnt find another job ultimately I had to ... Read More »

                        Will I Be Arrested Trying to Leave the UK With Debt? – John


                        “Dear Jon, I am currently international student and will be leaving the country towards the middle of 2013. I currently owe £400 to the banks and £196 on an unpaid mobile contract bill. As it has been more than 60 days since I’ve repaid both, I am assuming that my credit score and information has been circulated to the credit ... Read More »

                          I Was Studying in England But Had to Return to Greece. I Left Debt Behind.


                          “Dear Jon, I am a Greek citizen and 3 years ago (mid-September 2009) I started a course at an English university. Due to some personal problems I had to return in Greece only after a month or so (October 2009), so I cut my course short. I had a student loan accepted, but I had the right to cancel the ... Read More »

                            If We Have Good Credit But Not Getting Anywhere, is Bankruptcy an Option? – Chris

                            Business Meeting

                            “Dear Steve, My husband and I have about 60K in a combination of personal and failed business debt, but otherwise have sqeaky clean credit. We do not own our home and would like to as soon as possible. Our problem is that we have been paying near $800 a month on debts every month for the past 3 years and ... Read More »

                              Crescent Bank and Trust Repossessed My Car. – Yolanda

                              tow truck

                              “Dear Steve, My vehicle was repossessed by Crescent Bank and Trust which is a second chance bank. I was never notified by the bank that my vehicle was going to be repossessed. Is it required for the bank to contact me by mail or phone before taking my vehicle in the state of Texas? I moved from my prior residence ... Read More »

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