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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.

Why Failure Should Be Celebrated, Not Feared

fear is a prison

When it comes to money troubles and dealing with debt, it’s scary stuff. I lived through it and will never forget how crappy that experience was. But what I learned the hard way, and what I see every single day from watching others is the fear of failure attracts people to make the most illogical, dumbest, stupid mistakes because they ... Read More »

Expect Nothing and Appreciate Everything

expectations

Now here is a message that everyone can benefit from hearing. The reality is we are entitled to nothing in our lives. The next breath, the next day, the next laugh and hug, they are all gifts. We take for granted the joys and benefits life has to offer, even in the worst of times. But we should not. Just ... Read More »

FTC Gets Ass Kicked on Appeal and Wins at Same Time

mistakes

Back in 2012 the FTC lost a case it had brought against Corey Butcher, Brent Butcher, and Financial Freedom of America, Financial Freedom Processing. The case was one where the FTC said the performance statements made by the debt settlement companies were not accurate and could mislead consumers. In what seemed like a ruling from an alternate universe, the judge ... Read More »

The Private Student Loan Lawyer Says I Have to Settle

Sagging Economy

Dear Steve, I have defaulted on a student loan in the amount of $33,240 with NCO. A law firm has called me and says that I must settle for $26,592 in the month of August or I can get on a repayment plan for $9,972 and then a monthly payment of $332 but keeping in mind my interest will accrue ... Read More »

My Daughter Spent a Lot of Her Student Loans on Living Expenses, Not Tuition

College Tuition Expenses

Dear Steve, I co-signed for approximately $35,000 worth of school loans for my daughter. She graduated from Chatham University in 2010 with a bachelor’s degree in psychology. She could not find a job in her field paying over $25,000 per year. She went back to school and has since graduated with her degree in nursing and is taking her boards ... Read More »

Mortgage Modification Attorney Gets Her Day in Court. Ouch!

Screen Shot 2013-08-09 at 10.48.19 AM

Pamela Stacey Gerber-Gressier gets to spend many days in court after being sued by the State Bar of California. PSGG has been the subject in a number of mortgage modification stories over the years. See here and here. She’s also been associated with The Remedy Group, Remedy Law, Prudent Law, and Prudential Law to name a few. All of these ... Read More »

YOLO and a Message From the Heart From This Wonderful Fat Ass – NSFW

Screen Shot 2013-08-08 at 10.04.02 PM

This is a really good message from this YouTuber about what he has learned about living life without any concern over his quality of his life. It’s a great message that is good to listen to. I applaud him for making the video. As he says, “Why should you listen to this fat ass?” It’s because he learned some really ... Read More »

I Can’t Afford My Sallie Mae Student Loans With My Art Degree. – James

painter artist dog

Huffington Post Reader Question Dear Steve, Attended the Art Institute of Ft. Lauderdale, FL for game art/illustration from 2004 to 2006, transferred to the Art Institute of Philadelphia, PA for animation, from 2006 to 2007, transferred to the Pennsylvania Academy of the Fine Arts in 2007 and graduated in 2012 with a certificate in painting. I have a total of ... Read More »

The Advocacy for Consumer Rights Says I Have a Good Case Against Wells Fargo. – Tina

Super Hero - Female

Notice (9-24-2013) – On 9-23-2013 I was served with a lawsuit from The Advocacy for Consumer Rights, which you can read here. They mention this article in the suit and claim “Defendant also posted false statements on the internet, at http://getoutofdebt.org/60957/the-advocacy-for-consumer-rights-says-i-have-a-good-case-against-wells-fargo-tina stating that TAFCR’s program is a conspiracy to get people with mortgage fraud cases to believe they are a ... Read More »

Nicholas Torgerson Sued in Florida After Following Fidelity Land Trust and Others

surprise

According to information sent in by a tipster (send in your tips here) another domino has fallen in the efforts to stop the ridiculous land trust efforts being sold in Florida to protect homes from foreclosure. On July 22, 2013 I wrote this article about how players in the Fidelity Land Trust scam had allegedly sucked in a willing participant, ... Read More »

Key to Success – Key to Failure

success copy

This is so true, isn’t it. For some people, no matter how hard they try, they feel they can never win. But isn’t the key to be happy with your efforts and not look to others to validate your accomplishment? Do what you feel is right, your best job, and create a legacy you are proud of and make that ... Read More »

Something People Never Tire Hearing

Thank You - Words on Yellow Sticky Notes

Sometimes it can just go a really long way to stop and say thank you to someone, for even the littlest thing. But you have to say it and mean it for maximum impact. Earlier today I held the door for a woman as she left the coffee shop and she said thank you and I could just feel as ... Read More »

Mortgage Lawsuit Network – Consumer Complaint – August 7, 2013

customer service feedback

Consumer Statement: Back in March of this year we decided to call Mortgage Law Suit Network to see if they could help us with our Bank of America situation. This is when the trouble began for my family we spent 5000.00 on a retainer and 800.00 per month to stay active in the suit. Consumer Action Taken: We have asked ... Read More »

Wells Fargo Home Rebate Credit Card – Yawn

The card leaves me yawning.

Is the Wells Fargo Home Rebate Credit Card a smart card to use? Despite an initial flurry of rebates, 3% rebate on gas, grocery, and drugstore net purchases for the first 6 months, cardholders will get 1% rebates that will pay down Wells Fargo home mortgage. So let’s do the math here. First off, a perfunctory hooray for rebates. But ... Read More »

Student Loan Relief Center is Trying to Sell Me Help

calculator

“Dear Steve, I currently have my student loans consolidated under the Fedloan Servicing, under the graduate repayment plan, with my debt being $42,000. Recently the Student Loan Relief Center contacted me saying they can save me money by switching to them. I qualify for the income based repayment plan and they made it sound so enticing by saying I pay ... Read More »

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