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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’d Like to Buy a House But I Can’t Get Approved Because of Delinquent Student Loans. – Hope

yard

“Dear Steve, I have had many delinquencies concerning student loans in the past. At one point in time I thought I was in deferment but obviously I was incorrect. So I show substantial deliquencies in 2006. I actually finished school in 2008 and loans were deferred until 6 months after I graduated. I started paying payments on regular monthly basis ... Read More »

Sick Daughter Led to Debt. How Can I Get Out of Debt and Not Hurt My Security Clearance? – Mike

top secret

“Dear Steve, My wife and I have about $65,000 in credit card debt. It started when our daughter was born 12 years ago with a severe rare medical condition. In order to stay up on medical bills, mortgage, utilities we resorted to credit cards to offset our income. Over the years this added up on us. We are not late ... Read More »

Should We Sell the Jeep and Lease the Mercedes Benz? – Evon

A 2011 Mercedes ML 350.

“Dear Steve, Have a upside down car sitting in my garage and cannot decide which way is best to get rid of it? I have a ML 350 that I am leasing for $674 per month. My lease is up 3/15. My husband has a Jeep Wrangler that we pay $405 per month. He owes $21,000 on it. He had ... Read More »

Single Mom of Three. No Child Support But Student Loans. – Lisa

Student Loan Corkboard Concept

“Dear Steve, I am a single mom of 3 with some college, am getting no child support, and several years ago made it three quarters through lpn school only to get booted out because I wasn’t fast enough in clinicals. I have a mountain of student loans. To top it off I work at Arby’s as a prep person. Is ... Read More »

My Ex-Husband Was an Ass and Left Me Loaded in Debt. – Rachel

Super Hero - Female

“Dear Steve, A couple of years ago my husband and I divorced. When we did so, I held most of the debt from our marriage in my name [he had terrible credit] however he was the one making a huge salary 90k+/year. Throughout our 10 year marriage I stayed home with our children [which I am extremely grateful for] while ... Read More »

I Can’t Get Any Information About Consult America. – Alfred

debt

“Dear Steve, Currently have $35000 in credit card debt. Unable to get a loan because debt ratio. Consult America has offered a credit card rate reduction program which will reduce my monthly payment from ~$900 per month to $670/month for a period of 36 months. They say my total debt wiil be reduced by $10,900. Does this seem ok? Haven’t ... Read More »

Single Mother of 6, Working Full Time and Going to School. – Walquiria

big family

“Dear Steve, single mother of 6… I hold a full time job plus I go to school 3 nights a week Hi Steve I am a single mother of 6. I work full time and I go to school 3 nights a week. I got divorced about 4 years ago, I would like buy a house for my children but ... Read More »

Great Plains Lending Keeps Calling Me for Payment. – Phillip

hiding

“Dear Steve, My situation is this; last June I lost my job working in a school district. I fell behind on all my bills throughout the summer, and luckily I earned another school position in November. Back in October, I applied for a loan with Great Plains and got $600. I am still not caught up on all my bills, ... Read More »

Is Remedy Center in California a Scam for Loan Modifications? – Jack

puzzle

“Dear Steve, I responded to a solicitation for a loan re-modification from the Remedy Center in New Port Beach Ca. I sent them $3995 retainer(fee) to help me secure a loan re-modification. Is The remedy Group a scam? Jack” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of ... Read More »

My Car Was Wrongly Repossessed by Capital One Auto Finance. – Richard

tow truck repo

“Dear Steve, My car was wrongfully repossessed by Capital One Auto Finance. They acknowledged that it was their error. However they are now refusing to provide documentation for me to send to the credit bureaus. Every time I contact them they state they will have it removed but now as a result I have a repo and a closed account ... Read More »

My Sallie Mae Student Loans Make Me Suicidal and Anxious. – Angela

stressed-woman

“Dear Steve, I have a massive amount of school loan debt from a school that was very overpriced and I didn’t finish to get my degree. The company I am involved with is Sallie Mae and they have been very unforgiving with payments so it doesn’t really matter how much I send. The debt keeps rising. I’m really at a ... Read More »

Bank of America is Giving Me the Run Around With My Mortgage Modification. – Terry

Real Estate Concept

“Dear Steve, I took in a friend of our family and he ended up ripping me off after he sold his property and never paid me back. I had to file for Bankruptcy and was cleared of that debt in April 2012. In the mean time I lost my state job, had no income and took a meanial job which ... Read More »

I Can’t Pay the Virginia Employment Commission and Don’t Want to Go Bankrupt. – Linda

single mom

“Dear Steve, I previously owned a company and went out of business due to a number of things. The IRS and the State of Virginia are being very cooperative and recognize my hardship. The Virginia Employment Commission is another matter all together. After several months of me paying them a very small amount, they have decided that is not enough ... Read More »

Reader Says I Should Look at Credit Services Today as New Formation of Credit Alliance Group

Credit Services Today (20130326)

A tipster (send in your tips here) sent in the following information. “Credit Alliance Group has reopened as credit services today at a Seattle address offering debt settlement and credit monitoring. When you click on the link for the debt calculator on the new website at creditservicestoday.net look at the address bar of your browser, it takes you to the ... Read More »

New Documents Show Florida Land Trust, Whitestone Capital Trust, and Private Capital Trust Activities Continue

Mature woman confused

A tipster (send in your tips here) sent in a number of documents which show companies in Florida are continuing to market land trusts. This is particularly interesting since Fidelity Land Trust was sued and given a Temporary Restraining Order in September, 2012 to cease all business. I’m going to post the documents I received below and we shall see ... Read More »

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