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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 Have Gone Through All My Savings and Gambled to Try to Stay Current on My Bills. – Janet

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“Dear Steve, I am 75,000 in debt. All are credit cards. Last year I lost a job of 20 years but was able to get a job at about 20,000 less income. I was able to convince myself that I had my debt under control because I was able to pay it. I have been fooling myself and now have ... Read More »

Florida Credit Repair Firm, U.S. Credit Find, Reaches Settlement With Illinois Attorney General

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Attorney General Lisa Madigan has shut down the alleged “phone cramming” operations of a Cape Coral, Fla., credit repair company that placed unauthorized charges on the phone bills of thousands of Illinois consumers, small businesses and local governments. Through a settlement agreement reached with the Attorney General, US Credit Find and its owner, Aaron Stanz, have agreed to cease participating ... Read More »

Elizabeth Warren Fights for New Consumer Financial Protection Agency

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I’m really happy to see my friend Elizabeth Warren out in front of new ideas to protect consumers from banks and lenders. Maybe the time has come that consumers will be entitled to some representation in government when it comes to banking products and the banking system. Ms. Warren, for years a scourge of Wall Street, has emerged as an ... Read More »

My 19 Year Old Daughter Owes $5,000 on a TD Bank Credit Card. Does She Have to Pay?- Marion

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Marion “Dear Steve, My daughter was is 19 years old was offered a credit card at TD Bank, when she went in to take some money out of her savings account. She was told that it was a great time to get a card, and that they get commission/points for how many people they can sign up for a credit ... Read More »

Listen to Me on NPR, Please, Please.

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Starting at about minute 22 you can hear my segment about financial education and my personal story of debt. You can see the segment in the podcast bar as the “Getting Into and Out of Debt.” If you can’t see the podcast show above, click here. Get Out of Debt Guy – Twitter, G+, Facebook Read More »

My Fiance is Going Bankrupt. Will We Ever Be Able to Buy a House? – Jennifer

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“Dear Steve, My fiance is considering filing for Chapter 7. He has okay/good credit, but more than $25,000 in credit card debt and his payments severely limit our finances. He does not have a car or house that creditors can seize for payment. I’ve read that bankruptcy will stay on your credit for 10 years, but other people have told ... Read More »

I Have $95,000 in Credit Card Debt and Can’t Make the Minimum Payments. – Kevin

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Kevin “Dear Steve, I’m presently current on all of my credit card debt (nearly $95,000), but life’s circumstances are making it extremely difficult to pay the minimum payments and I am not making any headway with my debt. I’m considering one of the many debt settlement companies out there and wondering if you know much about New Era Debt Settlement ... Read More »

Bill Collectors Keep Calling About a Truck We Paid Off in 2003. – Stephanie

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Stephanie “Dear Steve, My husband had bought a (used, but newer) truck a few years before we married (around’03?) He sold the car(truck) because full insurance with his driving history (at the time) made insurance and payment more than the rent payment. He knew he was “upside down” on the truck lien when he decided to sell it. Trying to ... Read More »

My Debt Snowball, Snowballed. – Janine

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Janine “Dear Steve, I have $90,000 in debt and make $63,000 a year. I did a debt snowball but that snowballed. I can’t seem to get out of debt. My parents were close to losing their home and I gave them most of my money. I have a few things I plan to sell but nowhere near enough to cover ... Read More »

The Five Myths About Bankruptcy. Watch the Video.

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Thanks to Twitter I discovered a new video out of a news story on the five myths about bankruptcy. The myths are: You should be dead broke until you file for bankruptcy. Bankruptcy ruins your credit score. You lose your home if you go bankrupt. You should max out your credit cards before going bankrupt. You should raid your 401(k) ... Read More »

Solar Panel Update – Installation Day

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Well today is supposed to be the day that solar panel installation begins on my roof. I’m looking forward to this being completed. Yesterday the final panel layout was finalized. Images below. The process of getting this far has been tiring. We started with just your normal house and had a whole house fan installed, loads of additional attic insulation ... Read More »

I Have a Florida Time Barred Debt Issue. – Sally

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“Dear Steve, Bit complicated. Am aware of time barred et al in Florida a note for $5, 000 secured by the promise that when property sold it would be paid note dated in 2000 was meant to honor the loan made by a friend. my property was due to be sold in 2007 by a sales agreement. we also fixed ... Read More »

I’m in Debt Because of Too Much Fish. – Michael

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Michael “Dear Steve, I’ve had a hellish trip through misery and desperation the past few years. In 2006, I experienced a health condition and illness from heavy metals and mercury through extreme consumption of fish and seafood since beginning to eat them more frequently in 1997. In Jan 2007, I had to leave my established sales career because of the ... Read More »

I’m Going Bankrupt. How Long Until Bank of America Sues Me? – Mary

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“Dear Steve, I have consulted an attorney regarding my overwhelming credit card debt ~ over 80K. I was told to stop using the credit cards for 3 mos before filing Bankruptcy. I have 3 credit cards with B of A, and also have my checking account with them. The attorney told me to move my bank acct, but I’m concerned ... Read More »

Professional Journalist Really Blows This Debt Settlement Story

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CNBC produced a story by Trish Regan that was full of misleading statements and came across that debt settlement was not a problem, without ever mentioning the tax consequences or that debt settlement companies are under investigation. The story claims that an NFCC agency, ClearPoint Financial Solutions was able to get Providian to settle the debt for less. There is ... Read More »

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