Articles by Steve Rhode
Where Can I Go to Payoff My Credit Card With a Cheap Loan? – Sarah
Sarah wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
Click here to read the rest of "Where Can I Go to Payoff My Credit Card With a Cheap Loan? – Sarah"
I’m a Lawyer With a Law Degree From a Top Law School and I Can’t Find a Job. Michael
Michael wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
I Have a Mercedes Benz I Can No Longer Afford. – Torey
Torey wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
Click here to read the rest of "I Have a Mercedes Benz I Can No Longer Afford. – Torey"
I’m Trying to Buy a House But I Have a Judgment Against Me. – Tony
Tony wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
Click here to read the rest of "I’m Trying to Buy a House But I Have a Judgment Against Me. – Tony"
I Made Such a Mistake Buying My 774 Square Foot House in Chicago. – Carmen
Carmen wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
I Am 71 Days Behind on My Car Payment. I Am On Unemployment. – Pamela
Pamela wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
You Ain’t Your Fucking Debt
On the way from a weekend visiting really good friends and having lots of laughs, yesterday I was talking with Pam in the car, in the rain, and on cruise control.
I was just thinking back on how all the difficult moments of our nearly 28 year relationship have changed our course. There was the [...]
Click here to read the rest of "You Ain’t Your Fucking Debt"
I’m Retired and Do What I Want at 49.
Ann wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
Click here to read the rest of "I’m Retired and Do What I Want at 49."
What is the Next Step to Take to Clear My Police Record in Dubai? – Charlene
Charlene wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
How Can I Find a Good Credit Counseling Company? – Landi
“Dear Steve,
Hello. I seem to have gotten myself deep in debt. I don’t want to file bankruptcy. Is there a good credit counseling, debt relief company/group that can help me lower payment or cut my debt. I have heard most freeze your accounts and it shows up on your credit.
Thanks for [...]
Click here to read the rest of "How Can I Find a Good Credit Counseling Company? – Landi"
We Went Into Program With DebtWave and Ended Up With Johnson Law. – Gary
“Dear Steve,
My wife went into a program with DebtWave that was turned over to Johnson Law, but the legal papers keep coming. My income is has diminished as I have taken a very low paying job to survive.
If she cannot continue these very large payments, as my low paying job will soon end, and [...]
Boyfriend is Paralyzed With Debt After Divorce. – Michelle
“Dear Steve,
My boyfriend was divorced last year. His ex-wife “walked away” from their marriage, but not before charging up the credit card balances substatially. She decided she didn’t want to deal with their newly purchased home, so she legally signed her rights away and he bought her out for $1.00. After adding [...]
Click here to read the rest of "Boyfriend is Paralyzed With Debt After Divorce. – Michelle"
Should I Continue to Make Partial Payments to Cap 1? – Irv
“Dear Steve,
I am retired with no assets and only SS income. All of my creditors have set up a hardship program with reduced interest, no fees and lower payments. Capital 1 has refused to do this. I have 3 Capital One accounts totaling about $11,000. I have been trying to [...]
Click here to read the rest of "Should I Continue to Make Partial Payments to Cap 1? – Irv"
Mortgage Company Sent Me a 1099-C. Do I Owe Tax On This? – Derek
“Dear Steve,
Last year I was hounded by my mortgage company to refinance my home. I had not been late on any payments. I was OK with my payments, not in any type of financial bind etc. I finally relented and listened. They offered to reduce my interest, but the rate wasn’t worth the charges. [...]
Click here to read the rest of "Mortgage Company Sent Me a 1099-C. Do I Owe Tax On This? – Derek"
Which is Worse, Bankruptcy or a Write Off? – Jenny
“Dear Steve,
Bankruptcy or Writeoff? When it comes down to it which is worse? Is a debt write off from a company as bad as a bankruptcy? I have some funds coming soon and I was going to settle with them, but they tell me the debt is about to be written off. [...]
Click here to read the rest of "Which is Worse, Bankruptcy or a Write Off? – Jenny"
“Traditional Debt Settlement Companies Are Working for the Creditors, Not the Consumer.”
I recently wrote a review about a new company called Capital Protection Group. It occurred to me as I was working on it how times have changed in the last year.
Debt settlement companies used to say “Credit counselors are working for the creditor, not the consumer.” Debt settlement companies seemed to want to position [...]
Capital Protection Group Review
Address:
6565 N MacArthur Blvd, Ste 225A
Irving, TX 75039
888-899-3120
This appears to be the address of a shared office space from Intelligent Office. – Source
Company appears to have been tentatively named Dallas Proper and then changed the name to Capital Protection Group. – Source (See buyer comments)
Website:
I initially started with cpgsample.com and moved on to a [...]
Click here to read the rest of "Capital Protection Group Review"
I Was Irresponsible With My Credit But Now I Want to Clean It Up – Kristen
Kristen wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
Nildo Has Moved Back in With Parents And Wants to Save His Car From Repossession
Nildo wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
I’m Laid Off and Living on Savings. – Mary
Mary wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
Click here to read the rest of "I’m Laid Off and Living on Savings. – Mary"
I Paid “The Credit Card Solution” and Bob Lindsey to Eliminate My Debt. Turns Out They Were a Scam. – Walter
“Dear Steve,
My name is Walter and I’m currently a senior psychology major at [XXXX] College. I have amassed over $10,000 in credit card debt from buying everything from a computer, Playstation 3, and even a High Def Television. As you can see, I really didn’t need any of the things that I bought and it [...]
I Don’t Want to Get Married With Debt. – Brandi
Brandi wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
Click here to read the rest of "I Don’t Want to Get Married With Debt. – Brandi"
“Should I Tell My Boss?”
Jackie wrote in to me through the GetOutOfDebt.org site and asked me the question below. If you have a question you’d like to ask and get some totally free advice, visit GetOutOfDebt.org and ask me your question.
“Dear Steve,
I have been approached by another financial company, current one is Edward Jones.
Is it proper for another [...]
Click here to read the rest of "“Should I Tell My Boss?”"
We Are Helping Kids Today
I just wanted to share with you the following projects I donated to in the name of the GetOutOfDebt.org site to help students learn more about money credit and debt. If you would like to donate to help students, visit DonorsChoose.org.
The Projects We Contributed to Today
It’s Time for MONEY
“I teach special education students grades K-5. [...]
Click here to read the rest of "We Are Helping Kids Today"
We Got 100% Financing On Our Home But Once the Loan Adjusts We Won’t Be Able to Afford it. – KC
KC wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
Debt in Stone
Debt, originally uploaded by iandavid.
Some people feel like their debt is set in stone. Apparently they are correct. This debt is set in stone.
Just a nice picture that I had to share.
Steve
Click here to read the rest of "Debt in Stone"
I Would Like to Clear Up My Credit A.S.A.P. – Ginger
Ginger wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
Click here to read the rest of "I Would Like to Clear Up My Credit A.S.A.P. – Ginger"
I Am a Compulsive Gambler in Debt. – Delia
Delia wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
Click here to read the rest of "I Am a Compulsive Gambler in Debt. – Delia"
I Have a Bad Credit Report. What Can I Do? – Connie
Connie wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
Click here to read the rest of "I Have a Bad Credit Report. What Can I Do? – Connie"
Things People Get Wrong About Credit Card Debt
Excellent article in the Washington Post titled “Five myths about America’s credit card debt.” You should read it, click here.
Highlights from the article.
1. Middle-class American families have long depended on bank credit cards to manage their budgets. Not true.
2. More people have credit cards because companies got better at managing risk and began marketing to [...]
Click here to read the rest of "Things People Get Wrong About Credit Card Debt"
I Am With DebtRx And Being Sued. – Patricia
“Dear Steve,
I am being sued by my credit card company and i am with debtrx. I have no money to hire a lawyer.
What can i do to stop this i cannot afford to pay the full amount i owe on this credit card plus late fees
Patricia”
Dear Patricia,
Unfortunately when you choose to work with [...]
Click here to read the rest of "I Am With DebtRx And Being Sued. – Patricia"
Should I Change My Chapter 13 Bankruptcy to a Chapter 7 Bankruptcy? – George
“Dear Steve,
hi my name is George and i’m in a real bad situation I filed a Chapter 13 3 years ago to try and save my home only to eventually lose it and I tried to keep things going after me and my wife moved out so I took a couple of payday loans [...]
Can I Bypass United Recovery System to Deal With American Express On My Own? – Miranda
“Dear Steve,
Two cc’s- one for 8k (amex) 21k (BofA)- about 60 days past due. Saving cash (closed three 401k’s) for settlement on my own
Amex has turned my account over to United Recovery Systems. They are rude, intentionally “stupid”, and can’t even make a decision without putting me on hold to “call Amex”. Can I bypass [...]
My Photo of the Day – The Lost Wake Moment
One of my greatest joys, is my photography. It is something that I love to do. It is an extremely personal part of me that I thought I’d share with you.
Even if you are facing difficult financial times, find something you love to do as well. Read my previous post “Don’t Let Your Debt Consume [...]
Click here to read the rest of "My Photo of the Day – The Lost Wake Moment"
My Photo of the Day – Don’t Jump Sponge Bob
One of my greatest joys, is my photography. It is something that I love to do. It is an extremely personal part of me that I thought I’d share with you.
Even if you are facing difficult financial times, find something you love to do as well. Read my previous post “Don’t Let Your Debt Consume [...]
Click here to read the rest of "My Photo of the Day – Don’t Jump Sponge Bob"
I’m a Low Income Single Mother With a Disabled Son and Collectors are Chasing Me. – Milla
Milla wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
I’m a College Student Trying to Get My Degree But I Just Got a Judgment Against Me. – Sam
Sam wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
San Wants To Know “We Need Some Way To Pay Off Our Debts”
San wrote to me through the GetOutOfDebt.org site and wanted some free help. I’m happy to help as always and if you have a question you’d like to ask, just go the the GetOutOfDebt.org site and ask. I’m here for you too.
“Dear Steve,
We need some way to figure out how to pay our debts off. [...]
Click here to read the rest of "San Wants To Know “We Need Some Way To Pay Off Our Debts”"
My Dad Only Gets Social Security And Can’t Pay His Credit Card. – Nancy
Nancy wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]
What is the Name of the Government Program That Eliminates All Credit Card Debt for Free? – Johnathn
“Dear Steve,
35,000 in debt to credit cards, and barely able to pay the minimum payment each month after paying all other bills. Credit cards are often used to supplement income, and there is no end in sight to pay these cards off.
Is there a legitimate Government program or a program that does not ask for [...]
