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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.

How Can I Find Out if I Can Offer Debt Settlement in the Different States? – Roger

law books

Dear Steve, I’ve enjoyed your site for many years. Thank you for your contributions. I do have a question for you that you may be able to help. I’ve had a debt settlement company for about 20 + years. I deal mainly with Commercial, business to business debt and not consumer. Occasionally I get people wanting me to settle their ... Read More »

What Do You Know About Credence Law Group? – Gary

radar

“Dear Steve, Filed bankruptcy… trying to keep my home with a modofied mortgage .. responded to Credence Law Group mailing … What do you know if anything regarding Credence Law Group? Gary” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat ... Read More »

How Can I Create a Budget When My Income Fluctuates? – Willy

Variable Budget

“Dear Steve, Hi Steve, I’ve read both your books, The Beach Misses You and Eliminate Your Debt Like a Pro. I am a realtor who gets paid on commission only. How can you have a budget when you are a realtor and you get paid on commission? You may have a good month and in that month you are playing ... Read More »

I’ve Been Using Credit Cards to Help Make Ends Meet. Robbing Peter to Pay Paul. – Esperanza

change5

“Dear Steve, My monthly income after taxes is 1,700. Mortgage payment is 928( It includes insurance and taxes. It is not enough to cover my expenses, I don’t, eat out. No movies. Home to work, No cable. Only internet. The equity in the house is 24,000. If I sell it I can get 15,000. Renting will be the same as ... Read More »

I Owe a Lot of Money in Hong Kong for Cancer Treatment. I Want to Avoid Bankruptcy. – Yogi

asian dragon

“Dear Steve, I unfortunately was diagnosed with cancer couple of years ago. Due to such unexpected illness, I incurred more than a million HKD debt to cover my medical bills. I am currently working but not enough to cover my debt. I’m still not fully recovered so I’m not sure if I can keep the payments. I dont’t want to ... Read More »

I Bought a Small Business. How Do I Get a Business Credit Card? – Eve

stolen idea

“Dear Steve, I recently bought a small business that my father established before his death about a year ago. The business consists of intellectual property (music he composed, books he wrote, a piano teaching method, and audio CD’s to accompany same) created and marketed solely by my father. For the past year since my father’s death, my brother has “unofficially” ... Read More »

What Can I Do When a Creditor Seizes My Checking Account? – Delonte

Bank

“Dear Steve, i owed a creditor but fell on financial hard times and could not keep up with the payments. The account eventually went into default. In an attempt to recover the funds, the creditor gained access to my account and froze all activities attached to it. what can i do when a creditor freezes my account and my paycheck ... Read More »

How Can I Get My Wells Fargo Student Loan Out of Default? – Melena

debt

“Dear Steve, I have about 10,000 in student loans. I have two loans, one through Great Lakes and another through Wells Fargo. Because of some medical issues with my daughter last year my finances were challenged and my loan through Wells Fargo went into default (that loan amount is around $7,000. I have received a collections letter. Though my finances ... Read More »

I Would Gladly Pay to Delete My Negative Credit Report Entry

credit card verification

“Dear Steve, Chargeoff with closed Lowe’s credit card from 1/2011 they sold to Portfolio Recovery. Showing on Experian as CO from Lowe’s and Collection, paid less than in full from Portfolio. I negotiated payment with Portfolio but did it before knowing to ask for “pay for delete”. Disputed with BBB as junk debt buyer not authorized to list it…denied. I ... Read More »

The Auction House Says They Will Hold Our Car for Two Days. Can They Do That? – Lorrie

traffic

“Dear Steve, Car was repo’d two weeks ago, owed just over $1000 to pay of our six year loan. Was not informed that the car was going to be taken until after it was gone. Paid off the amount plus fees, we now owe $0. The car was being held at an auction place the papers from the finance company ... Read More »

My Credit Card Debt is Killing Me After My Divorce. – Clint

Lifestyle choices.

“Dear Steve, I have $50+/- credit card debt. Recently divorced. No other major debt.The financal stress contibuted to the divorce. I am living paycheck to paycheck. I would love to consolidate into one big loan and one monthly payment. I do not like the debt consolidation companies. Bankruptcy is a question as to whether it is the right thing to ... Read More »

New Rescue One Financial Loan Offer Letter Still Raises Concerns

Cosplayers at San Diego Comic Con 2009

Rescue One Financial has been sending out what I feel to be a problematic mailer offering consumers loans but consumers report being switched into debt settlement programs with Freedom Debt Relief instead. That has concerned me since it sure seems like a bait and switch effort to tell people they are going to get loans but sell them into debt ... Read More »

Should We Get a Debt Consolidation Loan or Borrow From IRA to Payoff Credit Cards? – Christine

money

“Dear Steve, CC debt 20,000. Mortgage 39,000. Equity about 300,000. credit score under 500. marrried one income $51,000. 4 kids in college. Turned down from first bank for refinance with credit payoff. Currently spending about $700.00/month on CC payments. should we continue to try to get a loan or should we take the money out of our IRA and pay ... Read More »

I am a Disabled Student on SSI. My School is Asking Me to Pay. – Devon

past due envelope

“Dear Steve, I am a disabled student. I am currently working on my Master’s. Some of my classes and financial aid has gotten messed up. Now 2 schools are making me pay for classes. The cost adds up to about $7000. I receive SSI and can barely afford my bills. Is there anyway I can try to fix this? I ... Read More »

Will the Payday Loan Store Go After Me for Check Fraud? – Dave

payday loan

“Dear Steve, I had several payday loans that I took out on line.Each one was for $250.00. I payed on it for a while just the interest. I got in touch with a consolidation company that said they could help . They kept saying that they would help but they never did. I have made arrangments with 2 companies to ... Read More »

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