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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.

The Collection Agency Knows I’m Not Responsible But They Keep Trying to Collect. – Jonathan

Frustration

“Dear Steve, I have a medical bill thats on collection that doesn’t belong to me. I tried to dispute but the only one of the credit bureau. Its a medical for a doctor, i never been to. When i call the collection agency, they told me its for a yessenia torres, when she took her daughter to the doctor. I ... Read More »

We Filed Chapter 13 to Save Our House But Can’t Keep Up With Payments. – Jennifer

Drowning swimmer

“Dear Steve, My husband filed chapter 13 in Dec 2012 to save our home and we just cannot make the large payments….most of the bankruptcy payment is the house debt. Chase says we now owe $286k and our home is only valued and purchased at $254k. Should we surrender in chapter 13 we are 2 months behind now again? Our ... Read More »

How Can I Give Away a Property I Don’t Want Anymore? – Lior

free

“Dear Steve, I bought a house couple years ago for investment in a very bad area with cash money. I thought then that it will be a good deal. i have only expenses over there, hard to find a good tanent and so. i try to sale this house for a long time but no luck, i am ready to ... Read More »

How Can I Get an Old Default Judgment Vacated?

closeup of a gavel on cash, from above

“Dear Steve, Hi Steve: 10 years ago discover card got a default judgment against me, as I failed to reply there summon. Then on January 28 2013, a collection firm send me a summon with a complain behalf of Discover Card with a 20 days date range to reply with their summon, I mailed them a letter in response to ... Read More »

Will My Mom Paying for Me to Go on a Vacation Hurt My Chances of Filing Bankruptcy? – Dave

IMG_4149

“Dear Steve, Situation * I will be filing Chapter 7 bankruptcy. Most likely this will be filed by my attorney next week. I have a large amount of credit card debt and can no longer even make the minimum payments on them. My daughter will be graduating high school in June and I will be turning 50 yrs old. As ... Read More »

My Unborn Child Died and I’ve Lost Two Jobs. – Mary

Just a cow picture to make you feel happy thoughts. Mooo!

“Dear Steve, Two Job losses,1 death of an unborn child, medical issues and one birth has left me in abandoned credit card accounts but I continued paying on my car from my unemployment payments which recent has also been exhausted. My husband also recently relocated from the UK and has not been able to find a job. Yesterday I received ... Read More »

American Indians Won’t Stop Calling to Collect on My Payday Loan. – Cameron

Possible native American debt collectors.

“Dear Steve, I made the huge mistake of taking out an online payday loan 3 years ago. The company is owned by an Indian tribe in the U.S. and is located on tribal land. I defaulted. Still can’t pay it as my income is very limited due to disability. After they started collections, using their in-house staff, I sent a ... Read More »

I Want to Kill Myself Because of My Student Loans. I Dream of Dying.

change 3

“Dear Steve, I have seen that there are others who have posted that they have contemplated suicide in order to get out of student loan debt and I can tell you that they aren’t alone. I was laid off twice since I graduated and I can’t afford to pay my loans back. I couldn’t even if I found a job. ... Read More »

Consumers in Life and Money Trouble More Likely to be Scammed

ftc

Consumers who were more willing to take risks and those who had recently experienced a negative life event (such as a divorce, death of a family member or close friend, serious injury or illness in their family, or the loss of a job) were much more likely to have been victims of fraud and scams. Consumers who indicated they had ... Read More »

We Can Just Make Our Minimum Payments and Have Good Credit But Need Help. – Becky

couple working

“Dear Steve, My husband and I are in our late 30′s with 2 sons. We have $22k in debt, $10k personal loan and $12k credit cards. We make the minimum payments each month as that is all we can do and our credit scores are above 750. I look at all of the snowball theories and paying highest interest first ... Read More »

Everest Institute Did Not Help Me Get a Job in Medical Billing and Coding. – Ashley

Student Loan Corkboard Concept

“Dear Steve, I went to Bryman Institute in 2007 for medical billing and coding. While I was there they changed the name to Everest Institute which was a red flag to me but I was already in the program for a while so there wasn’t much for me to do. I successfully completed the program and got a job at ... Read More »

My Ex-Husband and I Consolidated Our Student Loans. I’m Still Paying. – Marie

Divorce

“Dear Steve, My ex-husband and I consolidated our student loans back in 2004. In our divorce in 2012, I am required to pay on the joint loans for 10 years then in reverts to him. He is currently paying individual loans of ours. He makes considerably more than I do (about $45,000/yr and I’m around $25,000/yr) and I am unable ... Read More »

Get Out of Debt Guy Gets a Collection Notice

toll booth

It is so ironic to be the Get Out of Debt Guy and get a collection notice yourself. But that’s what happened to me recently. I guess the good news is since I help people with debt every day I was prepared to deal with it. The collection claim was that I owed $51 to the State of Delaware for ... Read More »

I’m 62 Years Old and Saving Hard for Retirement. What About Our Other Debt? – Michael

retirement

“Dear Steve, I am 62 yo, wife is 61 yo. Our combined stats: -We have $27k in credit card debt (0% interest, due to finding 12-18 month 0% promotional rates), -$200k home mortgage using a 5/5 arm at 2.75% which amounts to a $1000/month P&I payment–our property tax in NJ is $1000/month, -$400k in retirement savings–401k, ira, annuities mostly in ... Read More »

My Friend Asked the Collection Company to Validate a Debt But They Are Still Contacting Them. – Edward

404 error

“Dear Steve, A friend of mine told me that after an 8+ year association with a cell phone carrier, when changing to another carrier, the prior said she owes @ $500.00. When contacting the carrier, she was told there was a change on her account in 2012 that made a “new agreement.” But this “change” could not be verified. Shortly ... Read More »

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