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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.

Big Changes Afoot for CareOne

news2

Whispers online were telling me about big changes to CareOne coming. According to CareOne spokesperson Suzanne Coblentz, there are. “CareOne, a subsidiary of Ascend One, will continue to provide the same great service our customers have come to expect from CareOne. For the time being, the CareOne brand will continue to be in the market, but will not be making ... Read More »

Now Here’s a New Scam Involving Your Property Deed

Buy Your Deed

The BBB has alerted me to a new scam that is really a scam by omission. It seems a mysterious company is using a DC mailing address to send out “helpful” notices to consumers that they can buy a copy of their property deeds for only $83. However what the mailer doesn’t say is most people can get a copy ... Read More »

FL Judge to Debt Settlement Companies. Fuck Me? Fuck You!

waving

In 2012 there was a stinker of a class action settlement offered to consumers in a Florida class action case. An agreement was reached in that settlement where the attorneys got paid, cash awards were made to charities and the 125,000 harmed consumers got nothing. Consumer organizations objected as unfair. You can read about that case, here. Thanks to an ... Read More »

Sham Law Firm Employee Headed to Jail for Credit Repair

mans hands behind bars in jail or prison

Eric Phillips of California is going to have 33 months in federal prison to think back about his glory days of allegedly helping to create Georggin Law, pay the attorney who risked his license some compensation, and fleece consumers for credit repair services. As complaints about the debt relief services began to pile up with the FBI, an investigation began ... Read More »

Student Loans Continue to be Ticking Time Bomb

stressed man

If you could see me at the moment you’d find a man blue in the face. Literally blue! And I’m blue from talking about the dangers of student loans over the past years and having it fall of deaf ears. Recent data from the Federal Reserve Bank of New York and Equifax shows just how dangerous student loans are. In ... Read More »

Reader Calls Bullshit on “Keep Your Home” Mailer

questions

A very smart reader sent in a mailer they recently received. After they did some snooping around it set off warning bells. I’ll share their story and you’ll see what I mean. “I received this in the mail. When I called the number I got a lady who ask for my eligibility code. I asked her why is the eligibility ... Read More »

More Florida Mortgage Modification Scammers Go to Jail

Sagging Economy

Two Florida men were sentenced today to serve 84 months in prison for defrauding thousands of homeowners in a $4 million nationwide home loan modification scheme. Acting Assistant Attorney General Mythili Raman of the Justice Department’s Criminal Division, U.S. Attorney Carmen M. Ortiz of the District of Massachusetts and Special Inspector General for the Troubled Asset Relief Program (SIGTARP) Christy ... Read More »

Is The Berger Law Group Just a Variation of The Resolution Law Group?

Mature woman confused

Recently I asked a question to see if anyone knew who was really behind the Resolution Law Group. Some are telling me the firm has changed their name and is now continuing to market similar services under the name The Berger Law Group and is allegedly operating out of Tampa. If anyone has any additional information or can confirm that, ... Read More »

Why Did First Stone Credit Counseling Pay Commissions?

family portrait

A reader wanted to know why the public returns for First Stone Credit Counseling listed commissions as an expense since nonprofit credit counselors are not allowed to pay commissions under 501(q). – Source A visit to their site at firststone.com found a curious title to their site. It seems their primary focus is not credit counseling in the title but ... Read More »

Rescue One Financial Still Sending Mailers for Loans

Front of alleged mailer sent in by reader.

A reader just sent in the following mailer they recently received from Rescue One Financial. I’ve been critical in the past of the apparent lack of a lenders license by Rescue One Financial even though they were seemed to be selling the offer of a loan. The allegation before was these mailers were funneling people into debt settlement programs instead ... Read More »

Scammers Prove They Are Assholes

scammer

According to the Federal Trade Commission new scam emails are being sent out that try to trick people into clicking on links that will download malware to their computers. The latest scam takes the trick to a new low. Scammers are sending bogus emails with the subject line “funeral notification.” The message appears to be from a legitimate funeral home, ... Read More »

Private Student Loans Suck and I Can’t Dump My Cosigner

raising hand

“Dear Steve, I have a ton of student loan debt. I have around $70,000 in federal which is a ton, but manageable since I am on the income based payments and they have been great to work with. I have around $50,000 in private student loan debt that I can’t afford. My mom is a cosigner on them and it ... Read More »

Who is Really Behind Resolution Law Group?

Mature woman confused

Calls are coming in from consumer advocates asking me who is really behind Resolution Law Group out of Connecticut. I’ve written about them before, here. The company was selling mass joinder mortgage cancellation services to consumers. It seems the Resolution Law Group is being less than transparent about who is really in control and inquiring minds want to know. If ... Read More »

Affiliate Marketer Settles With FTC for All He Made

ftc

An affiliate marketer has agreed to settle Federal Trade Commission charges that he was responsible for sending millions of unwanted text messages to consumers that deceptively promised “free” gift cards and electronics. The marketer, Jason Q. Cruz of West Bend, Wisc., was a subject in a series of FTC complaints targeting the senders of deceptive spam text messages. In its ... Read More »

FBI Scam Email

scam

SCAM Alert! Beware of the following scam email making the rounds: “From: “Federal Bureau Investigation (FBI)” Date: December 31, 2013 at 8:53:45 PM EST To: BCC Subject: Re:Federal Bureau of Investigation (FBI) Reply-To: Federal Bureau of Investigation (FBI) Counter-terrorism Division and Cyber Crime Division J. Edgar. Hoover Building Washington DC Dear Beneficiary, Series of meetings have been held over the ... Read More »

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