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Author Archives: Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Who Can I Trust for Debt Relief Help? – Barbara

classified

“Dear Steve, Trying to read all of your advise … looking to the RIGHT debt relief/help for our situation. Owe about $5,000 in credit cards, not making enough money to make minimum payment. When an advertisement pops up on the screen… is it endorsed by you? Or is this a Google thing? Freedom From Debt Relief Add popped up. How ... Read More »

Can I Get Rid of My Culinary School Loans in Bankruptcy? – Daniel

chef

“Dear Steve, I went to a for-profit culinary school in 2003. They did not receive accreditation until 2004. I have been struggling with private loan debt (montly payments upwards of 1,100 per month originally) since. I had them consolidated in 2007 at a 4.5% rate. Given that my school did not receive accreditation until after I completed courses, would I ... Read More »

My Mother Cosigned My Son’s Student Loans. – Becky

White Picket Fence

“Dear Steve, My mother co-signed two private student loans for my son. One with Wells Fargo and one with Sallie Mae. She has now passed away. There is no estate. Will the loaners be willing to renegotiate the loans with my son? He has just graduated and not started making payments yet. Becky” Don’t miss our free Get Out of ... Read More »

California Foreclosure Rescue Scammer Headed to Jail

mans hands behind bars in jail or prison

Christy Romero, Special Inspector General for the Troubled Asset Relief Program (SIGTARP), and Melinda Haag, United States Attorney for the Northern District of California, today announced that on November 26, Walter Bruce Harrell, 72, of Montara, Calif., was sentenced to 10 months in federal prison and three years of supervised release for bankruptcy fraud and for providing false statements in ... Read More »

Is It True My Brother With Mental Illness Can Eliminate His Student Loans? – Josh

Desperate

“Dear Steve, My younger brother has been diagnosed as a paranoid schizophrenic. He has fought bouts of depression, hallucinations, and paranoia for the last 5-6 years. He has been on numerous different powerful drugs to help him. He, thank god, has finally found one that helps him with some of his symptoms but no way near is he the same ... Read More »

I Filed Bankruptcy and Creditors Are Still Reporting Delinquent Debts. – Nancy

beautiful girl on stool with laptop

“Dear Steve, I have a question with regards to bankruptcy and negative reporting by creditors. I filed for bankruptcy on 4/1/13 and the Bankruptcy Automatic Stay kept creditors from collection efforts. The bankruptcy was discharged on 7/31/13 which then reverted the automatic stay to a permanent discharge. From what I understand, creditors cannot collect on the discharged debts, as well ... Read More »

Were My Student Loans Eliminated in My Bankruptcy? – Erika

college-class

“Dear Steve, I obtained a Private Student Loan through Loan to Learn (Educap, inc. 5Star bank) in 2004 for $30,000 that required payment towards a variable interest rate while in school. I have paid on time from 2004-2012 before facing a hardship. With an average monthly payment of $300 (sometimes higher, sometimes lower) I have paid well over $25,000. I ... Read More »

Sallie Mae Took Advantage of Me When I Was. – Nicolle

hiding

“Dear Steve, I have 5 student loans, currently totally about $48,000 after 6+ years of repayment. Two of them are private loans at only about $1,300 each, another private is at about $8,000, my only federal loan is at $11,000, and my bear of a loan is a private loan with Sallie Mae, currently at approximately $26,000 (original borrowed amount ... Read More »

Should Me Son Cash Out an Annuity to Pay Off His Student Loans? – Tracy

brain

“Dear Steve, My son was given a generous gift of $10,000 by my husband’s aunt. The money was given for “education” and placed in a conservative investment annuity by the aunt. We never did anything with the account but accept the quarterly statements. My son has graduated from college, and is fully employed in his field. His loans are due, ... Read More »

Who is a Good Debt Consolidation Company to Work With? – Rondell

Sagging Economy

“Dear Steve, Im 49 years old, gross about $60,000 a year, im about $27,000 in debt want and need to get this debt off my back , tried doing it myself, writing creditors, obtaining credit reports, etc, some of my debt is so old its been sold off to other companies over and over. I’m thinking about getting a debt ... Read More »

I Gave My Student Loan FAFSA PIN to a Debt Help Company. Help! – Amy

stressed-woman

“Dear Steve, I saw the link for StudentLoanSupport.us on Facebook and clicked on the link. All it asked for is my husband’s name, our state and phone number. Shortly after we were contacted by Craig with Student Loan Support. We put off the discussion until today when he called me (Amy) about my husband (David)’s loans. I was on the ... Read More »

What is Free Credit Report Monitoring and How to Get It

Super Hero - Female

There is no shortage of issues that abound when it comes to credit reports. Between worrying if the correct information is being reported about you to what might be going on with your credit report behind your back, you have to remain ever vigilant. There many places where you can pay for credit report monitoring but I like to recommend ... Read More »

I’m in the Marines and Contemplating Suicide. Can I File Bankruptcy? – Larry

Military Flag

“Dear Steve, Steve, I am a Master Sergeant in the Marine Corps and have made some mistakes w/ debt. I got 2 credit cards and 1 personal loan ($40K total) that my wife didn’t know about so I could gamble. Needless to say I lost a lot of money and when it was all said and done I was contemplating ... Read More »

I Got a Call From a Student Loan Helpline Company About My Loans. – Tracey

Drowning swimmer

“Dear Steve, So I have roughly $75k in federal student loan debt, that due to economic hardship, I am having difficulty paying. I got a call from one of these so called “Student loan help line” companies that told me that if I let them consolidate my loans that the max I would have to pay is 197 payments and ... Read More »

My Car Was Repossessed, My Wages are Garnished and I’m Not Sure if Bankruptcy is Right for Me. – Nancy

body outline

“Dear Steve, I have gotten myself into some serious financial problems. While I know that mine is not as bad as some I am behind on every bill and my car was repossessed last night. I am a single mother to 3 girls and I yes I do have a full time job. My husband passed away in 2003 so ... Read More »

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