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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.

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 »

Clear One Advantage and ACCC Both Say They Can Help Us With Our Debt. – Ty

questions

“Dear Steve, My wife and I have a combined debt of 75,000.00. A large part of this is due to using credit cards when I was out of work for a year and a half. This was 4 yrs ago. We are current on all of our debt but find that we are just getting by paycheck to paycheck. We ... Read More »

I Thought Student Debt Relief Studentdebtrelief.us Looked Legitimate?

Writing Q&A, Questions and Answers on a blackboard.

“Dear Steve, I was looking for refinancing and when I typed in student debt, this popped up. It looked like a legitimate company and I gave them all of my information including my fafsa pin. The name of the company is Studentdebtrelief.us. I gave them $260.00 and authorized them to take it out three times and then they said that ... Read More »

Student Debt Relief studentdebtrelief.us – Review. Are They a Scam?

Audit Stamp Shows Financial Accounting Examination

Company Name Student Debt Relief Our Impression of What the Company Offers to Consumers Advance fee student loan assistance programs. Address 151 NE 5th Ave #401 Delray Beach, FL, 33483 Comes back as an apartment. – Source Additional Contact Information Phone (866) 921-8053 Web [email protected] www.studentdebtrelief.us Company Description “We offer individuals, seeking to consolidate or lower their monthly student loan ... Read More »

California AG Sues Over Chase Credit Card Collection Activity

fist

Attorney General Kamala D. Harris yesterday filed an enforcement action against JPMorgan Chase & Co. (Chase) alleging that the bank engaged in fraudulent and unlawful debt-collection practices against tens of thousands of Californians. The suit alleges that Chase engaged in widespread, illegal robo-signing, among other unlawful practices, to commit debt-collection abuses against approximately 100,000 California credit card borrowers over at ... Read More »

My Student Loans Are Deferred And I Can’t Pay My Other Debts. – Annie

sad-woman

“Dear Steve, I owe over $20k in credit cards (Discover and Visa, both of which are maxxed out) and over $40k in student loans (which are currently deferred). I changed my spending habits and budgeting over the last 6 months. Despite all of this, I am still only able to make slightly more than the min payments every month (before ... Read More »

Denied for a Debt Consolidation Loan. What Now?

Rejected stamp

“Dear Steve, Total credit card debt due to starting an unsuccessful business that was good for about a year and a half then crumbled with the economy. Both lending club and prosper have denied me loans and my credit rating is 720. I am never late paying anything but am drowning in debt. I don’t know where to turn to ... Read More »

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