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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.

Well Educated But Facing a Ticking Time Bomb of Debt. – Mike

time bomb

“Dear Steve, Husband & wife graduated from undergrad 15 years ago. Both graduated with Master’s degrees 2 years ago (to increase job opportunities). Both before and after Master’s Degrees husband did not have full-time employment (or full-time wages) and was unemployed for a significant amount of time (higher amounts were taken on student loans for master’s degrees to compensate). Wife ... Read More »

We Read Your Book Eliminate Your Debt Like a Pro But Have Questions. – Amber

eliminate-debt-cover

“Dear Steve, My husband and I sat down this weekend and figured up our debt vs income based on the guidelines outlined in your book Eliminate Debt Like A Pro. Our New Years resolution was to not spend on credit and we haven’t, but after reading your books I know we need to spend on credit what we can afford ... Read More »

I Feel Deceived by the Law Offices of Paul A. Herman. – Sue

big emergency exit

“Dear Steve, On January 28, 2013, I was contacted by telephone from a Nicholas Paul, who discussed with me concerning my outstanding debts owed on credit cards. I fee that I was high pressured in signing agreement forms to let this company represent me in eliminating these balances. So I was talked into signing up for installments twice monthly in ... Read More »

I Got Divorced and the Bank Won’t Take My Ex-Wife Off the Credit Card. – Dawson

broken piggybank with dollar notes

“Dear Steve, I was divorce about a year ago. Division of Debt in divorce I got card with approximately 18k on it after having to put house taxes of over 6k due to circumstances. Since the divorce I added another 6k in to the card. I had come to conclusion to stop that about same time got notification from card ... Read More »

Have You Ever Lost Your Purse, Wallet, Credit Card, or Social Security Card?

identity-theft

There is almost no more sinking feeling that losing your personal and financial information like your wallet, credit cards, purse, and social security card. Last week my wife Pam lost her purse. The bad news was after days of searching for it, it was clearly misplaced. I know it wanted to come home. I wanted it to come home. After ... Read More »

Real Estate Law Center and Chad Pratt Say They Can Go After My Previous Lenders. – Jana

proceed slowly and carefully on the road

“Dear Steve, I received a mailer from Chad Pratt and while doing my homework, I saw some of your articles about him from other people, but I think this is a new scam. I already received my home loan modification through Nationstar Mortgage and when I told them that, the man I spoke with George Michaels (can you believe it? ... Read More »

Is Legal Solutions Debt Advocacy a Scam? – Sarah

qa7

“Dear Steve, Me and my husband have been struggling with bills for years and are trying to find a solution to the problem. We have modified our mortgage but each time we have it increases the monthly payment. We are looking for a way to get a cheaper monthly payment to help with the monthly bills/ stress. We recieved a ... Read More »

How Do I Get Out of Debt Quickly? Change Your Mindset.

You don't ask the person who's house is on fire what the best way to put out the fire. You let the professional firefighters attack the blaze in an logical and rational way that will best put out the fire.

When people come to the realization they want to get out of debt fast or quickly they traditionally run into an emotional slap in the face and then want the pain of the debt to vanish – pronto! This leads them to fall for just about any old get out of debt scam or blindly believe the claims made by ... Read More »

Good News and Bad News About U.S. Consumer Debt

Screen Shot 2013-03-22 at 11.44.21 AM

The census bureau has released a new report that chronicles household debt in the U.S. from 2000-2011. The good news is that fewer households are carrying some form of debt. In 2011 69 percent of households did compared to 74 percent in 2000. The bad news is that those that are carrying debt are carrying more. In 2011 dollars the ... Read More »

How Can I Make My Son Responsible for My AT&T Account? – Lorelyn

past due envelope

“Dear Steve, I opened an account with ATT over 10 years ago. I kept the account open after I switched to another carrier because my son had a second line on the account. For the last 5 years he has been maintaining the account. I was reviewing my credit report and came across a delinquent account with ATT for over ... Read More »

Grow Financial Credit Union Says They Are Holding My Car Title as Cross-Collateral. – Garrett

punched-in-face

“Dear Steve, I paid off my car with grow financial credit union in clearwater, Fl about three months ago. I have not rec’d a title and figure they are holding it as a cross collateralization clause somewhere in my paperwork. I defaulted on their cc due to the times. Can they reposses my paid up car??? What can I do ... Read More »

Just a Beautiful Orion Picture

P-3B Orion

I just saw this and thought it was an incredible picture. On March 21, 2013, the P-3B waits outside the hangar at Thule Air Base with the Greenland Ice sheet in the background. IceBridge, a six-year NASA mission, is the largest airborne survey of Earth’s polar ice ever flown. It will yield an unprecedented three-dimensional view of Arctic and Antarctic ... Read More »

How Do I Get Out of Debt With Bad Credit? – Robert

Concept of daily routine

“Dear Steve, My wife and I have been trying for a long time to get out of debt. We are current on all the payments most of the time but nobody will give us a chance with a loan. We even tried Lending Club but they turned us down. We are working all the hours we can and still can’t ... Read More »

Profile Defenders Wants to Charge to Bury Postings From GetOutOfDebt.org

questions

A reader pointed out an interesting post on a site from a company called Profile Defenders that appears to make a claim they have some sort of control over what appears on this site. – Source Their fees for this service are upwards of $10,000. There are additional plans as well. – Source I want to make it very clear ... Read More »

How Can I Stop the Sale of My House in Foreclosure? – Margaret

doctor-xray

“Dear Steve, I was the owner of a store (15years)and sub contracted a cab as a second job in 2012 i was in a car accident in dec.I broke both legs in the accident and I am still in the rehab facility, Allstate has yet to send any wage loss or chore reimbursement.my house of residence went in to forclosure ... Read More »

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