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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.

I Can’t Afford My UK IVA Payments and Go to Bed Hungry. – Paulette

hunger

“Dear Steve, I am currently on IVA debt management plan. At the moment am unemployed. Struggling to pay my plan. Am a single mother of four children. This is surpose to take five years to be written off or get out of the debt. I am not coping with it. some days we go to bed hungry. Is there a ... Read More »

Foreclosure Rescue Scammers Plead Guilty to Fraud

White Collar Criminal

The Office of the Special Inspector General for the Troubled Asset Relief Program (SIGTARP) today announced that Mark S. Farhood, 49, formerly of San Diego, Calif., and Jason S. Sant, 37, of Lecanto, Fla., pleaded guilty on Friday to conspiracy charges in connection with their operation of a nationwide online foreclosure rescue scam that went by various names, including Home ... Read More »

I Have an Old Credit Card on My Credit Report. Will It Go Away? – Julie

goodbye

“Dear Steve, There is a credit card debt on my credit report that is more than 10 years old. I can’t get any questions answered or removed from my credit report. I’m in California. How long is the debt collectable? What is the statute of limitation on collecting the debt? What can I do to get it removed? Julie” Don’t ... Read More »

Dealing With Debt Demands Action

change7

I think this really sums up how we all feel when living with debt and needing to take action. Big Hug! Get Out of Debt Guy – Twitter, G+, Facebook Read More »

The Lender Agreed to a Short Sale But Nobody Wants to Buy It. – Hal

Decision time

“Dear Steve, We have a underwater mortgage that is approximately $100,000 in excess of the value of our home. We have been trying to get the principal reduced and now have the offer listed in the “question’s section” We have underwater mortgage that was transferred from Bank of America to SPS and they have offered a “Short Payoff” in the ... Read More »

I Suggest Bankruptcy Too Often, So Say Some

process

I really do read all the comments, all the Twitter messages you send me and appreciate the feedback. Over time a common statement I get is about my recommendations is that people think I suggest bankruptcy too often. For more information on this topic, please see all the links in my free guide about how to deal with debt. So ... Read More »

When Does the Statute of Limitations End on My Foreclosed Mortgage? – George

time and money

“Dear Steve, I’m resident of CA (only live in CA), but I had a property in AZ . I had purchase money deal 80/20 original loan. I had to refinance less in a year later because HOA had rules on backyards on the golf course (was not disclosures too me). So I had to refi my 2nd TD and I ... Read More »

What Happens if I Can’t Pay Back My Loan and Go to India? – Feroz

Lifestyle choices.

“Dear Steve, I’m living in the United Arab Emirates and I borrowed a Personal loan for 4 years but now I lost my job. I cannot pay my Personel loan. If I do not get another job and go to India. what will happen? Feroz” Don’t miss our free Get Out of Debt – “How To” Guide Series on a ... Read More »

We’d Like to Cut Up Our Credit Cards and Start Over. – Terry

needy

“Dear Steve, I have $38000 in credit card debt, an $18000 2nd mortgage, a $134000 mortgage and a $520 per month car payment. My wife and I bring home $85,000/year. We pay our bills on time each month but have difficulty saving with life’s unexpected expenses, ie older vehicle repairs, medical expenses, etc. I would like to cut up credit ... Read More »

EFA Processing and Consumer Law Associates Named in CT Cease & Desist

kicked_in_the_nuts

EFA Processing, a Texas company, and Consumer Law Associates, a Maryland company, were named in a public notice by the State of Connecticut. The State Said: 1. EFA is a Texas limited partnership with its principal place of business at 7668 Warren Parkway, Suite 325, Frisco, Texas. 2. CLA is a Maryland limited liability company having its principal place of ... Read More »

The Student Loan Help Center – Review. Are They a Scam?

medical-bills

Company Name The Student Loan Help Center Our Impression of What the Company Offers to Consumers Student loan assistance help for a fee. Address 2634 Cypress Ridge Blvd. Suite 104 Wesley Chapel, FL 33544 Additional Contact Information Phone: 866-945-2201 Company Description “We offer Federal Student Loan Consolidation Services. Our Financial Counselors will work with you to maximize your savings and ... Read More »

Illinois Title Loans is Harassing Me. – Danny

auto title loans

“Dear Steve, I have a title loan out from Illinois Title Loans I was recently admitted to the hospital with a heart attack and told I have MS I sent my girlfriend to make a payment and I was $53 short of the $253 payment a month I have never been short or late prior my question is are they ... Read More »

Collection Company Wants More Than We Can Afford for an Old Truck Repossession. – Bekki

tow truck repo

“Dear Steve, My husband & I had a 2002 Chevy Impala repossessed in May of 2007. At the time of the repossession we owed $8502.39 & received notice that the bank would sell our vehicle at auction. I later received a notice of sale stating that they sold a 2002 Chevy S10 pickup at auction for $3068.00 (which of course ... Read More »

Is American Student Assistance Really Who They Claim to Be?

detective

“Dear Steve, Thank you for the information you give. I wish I had found your site in 2004, before they made it impossible to discharge student loans through bankruptcy. One set of my student loans has been in unemployment deferment. It is set to come off of that on 5/16. I finally was able to get a part time job, ... Read More »

Is Federal Student Aid Relief for Real and Can Reduce My Student Loan Payments? – Kari

warning

“Dear Steve, I have been speaking with the Federal Student Aid Relief I havent signed or paid anything yet. I was hoping this was for real because I really need help. So this is a scam? What should I do? What company can help me with my loans because I am drowning.. Kari” Don’t miss our free Get Out of ... Read More »

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