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Reader Questions

I Got a Loan With Capital One Auto Finance and I’m Stuck in It. – Sarah

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Before kids i was young and irresponsible. I aquired a lot of debt and pd most of it off. but in 2006 I got a loan with capital one auto finance to buy a car and did not pay any attention i had no idea to what i was doing. Until yesterday I just left it at a bad decision. ... Read More »

    I’m Living Paycheck to Paycheck After a Divorce and Can’t Make a Dent in My Student Loans or Credit Card Debt. – Tonya

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    I have just over $20,000 in student loans, $8000 car loan, $700 credit card, I’m working on paying off a charged off credit card of about $3500, and I have a hospital bill of around $1400. I currently make $23712/yr. I’m making minimum or Income Based payments on All of them and now my IBR for my student loan has ... Read More »

      DeVry University Says I Owe Money on an Educard and Won’t Give Me My Transcript So I Can Go back to School. – Tonya

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      I am from North Carolina and I attended DeVry University in Decatur, GA back in 1997. I went for a year and half and then had to withdraw for personal reasons. My father had borrowed money from his 401K to help pay for my tuition. I also received goverment loans to cover the extra expenses. The school had something called ... Read More »

        My Apartment Complex is Suing Me for Money I Do Not Owe. What Should I Do? – Michael

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        I have an amount turned over to collections from my apartment complex that I do not owe. I have been told this can be resolbed in small claims court and need to wait for them to file. If the amount is already turned over to collections does that mean they have already filed or does that me they are getting ... Read More »

          I Got Divorced and My Debt Spiraled Out of Control. Should I Go With Fast Track Debt Relief? – Timothy

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          I got divorced and my finances spiraled out of control. I’m trying to put my life back together but it’s hard to catch up while paying my current bills along with child support and student loans. I have a lot of debt. Mostly the debt is credit cards and legal fee’s which are already in collections. My credit score fell ... Read More »

            I Went into a Debt Settlement Program With Legal Helpers Debt Resolution Who Said it Was Very Unlikely We’d Be Sued. We Are Now Being Sued by 3 Creditors. – Al

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            I recently had my pay cut at my job by 15%, and up to that point my family and I had already been living pretty much paycheck to paycheck. My wife had graduated from college with a bachelors degree, graduating top in her class. However, in 3 years since graduating, she has still not been able to find steady work ... Read More »

              I Can’t Deal With My Back Child Support. It Haunts Me. – Reg

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              Credit score below 550. Work 2 part time jobs. Make less than $20k. Need to buy a good used car. Moved back in with parents. File as single on tax return. Owe $7000 in back child support so, I haven’t received tax return since 2001. Probably no more than $5k in CC debt. I can’t seem to pay off this ... Read More »

                My Salary Has Been Cut Twice. I Fell For a High Priced Installment Loan Where They Took 33% as a Processing Charge. – KNR

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                My salary was cut twice in a six-month period plus my employer deducts $150 per month for health insurance. This caused financial issues and I sought a payday loan with the expectation to pay he full loan amount in two weeks. To my surprise, the tax refund I was expecting did not arrive so I needed a second loan to ... Read More »

                  Is Debt Management or Credit Counseling the Best Solution for Me? – Trisha

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                  I make approximately $65000 a year but owe $30000 in unsecured debt in addition to student loans, a mortgage (that just went up by $500 due to escrow issues) and a car note. As a side note both the house and car have negative equity. With the increase in my mortgage I am struggling to stay afloat and my credit ... Read More »

                    I Can’t Dig My Way Out From Under My Citibank Card and We Have a Child on the Way. – Kristen

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                    Hi-I’m 29 years old and received my first credit card when I was 22 with no credit history–a shiny new platinum citicard with a $4000 limit. I was in grad school at the time and for a while had some difficulty making payments on it. They even increased my limit to $5500 during this time. When I was 24 I ... Read More »

                      After 14 Months With the Lloyd Ward Debt Settlement Program the Balances Have Only Grown. – Eli

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                      My parents are retired, and my mom has allot of debt. Too much debt for my dad to pay for, because he’s living on social security. They own a home outright though. They live in Greece now, and I’m living in there house, because my life isn’t much better. I feel resposible for recommending lloyd Ward @ Associates. so I’m ... Read More »

                        We Can’t Keep Up Our Credit and Medical Payments. I’m a Stay at Home Mom Who Works Part Time. – Martha

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                        We have credit card debt and medical bills that we cannot keep up with – approximately $15,000. I am a stay-at-home Mom who works part-time in a seasonal job. My husband took a pay cut when he got re-employed over a year ago. We have creditors calling because we’ve fallen behind in our credit card and medical bill payments. It ... Read More »

                          I Can’t Pay My Home Depot Credit Cards After the Economy Went in the Dumper. – Lavina

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                          While doing home renovations and remodeling, I opened two Home Depot cards and one at Lowes. The ‘no interest for 6 mos.’ and ‘no interest for 12 mos.’ sounded great, and I was thnking how I could pay off each “program” before the interest rates kicked in. How wrong I was! The economy went into the dumper, I lost 2 ... Read More »

                            I Was Mislead by Citi Customer Service to Default on My Mortgage. – Woody

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                            In 2009 I applied through CitiMortgage then new HAMP (five times!) but always being turned down. After a few frustrating calls, I cited that I was a very good customer (never late or default on our mortgage monthly payments since 2002) and only to get BIG surprised, same answers that my diligence in paying monthly mortgages WAS the culprit why ... Read More »

                              We Signed Up With ESP but Now I Can’t Reach Them and I’m being Sued. – Donna

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                              ESP contacted us last June. We signed up with them thinking it was a better way to lump all charges together, pay them one set amt. monthly fee, and get charges cleaned up within a five year period. it turns out that some of their representations are fradulent, or non existent, there have been long periods when phone numbers and ... Read More »

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