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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.

If I File for Bankruptcy, Will I Ever be Able to Rent Again? – Jan

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“Dear Steve, I’m working full time, am having trouble paying everything. I have to borrow from one credit card to pay all my bills, including other credit cards. I owe almost $30,000. in credit card debt. If I file for bankruptcy, will I ever be able to rent again? Landlords always seem to check credit reports. Jan” Don’t miss our ... Read More »

Where to Find Free Cash in an Absolute Emergency

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An article in the Wall Street Journal was bolder that I might have been about the realities of the best place to find cash in an emergency. When I read the article I broke out in a huge smile for ear to ear. Amen. People make the same chronic mistakes when they get into a financial bind if they have ... Read More »

Job Loss Leads Family to Death. All Killed by Parent

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Senseless. So senseless. I know that job loss and financial worries can seem hopeless, but they aren’t. They certainly are not so desperate that murder and suicide are the best way out. Sadly, this isn’t the first time this has happened and it won’t be the last. Embedded video from CNN Video Embedded video from CNN Video Embedded video from ... Read More »

I’d Like to Get Rid of My Student Loan Payments With Bankruptcy. – Nancy

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“Dear Steve, I will never be able to pay my sallie mae student loan because of hardship. I am a single mother of two living check to check. I want to see how I can have my student loan discharged? Can I file bankruptcy myself? Nancy” Don’t miss our free Get Out of Debt – “How To” Guide Series on ... Read More »

My Car Went Missing From My Driveway Because My Ex-Husband Didn’t Make The Payments. – Lynn

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“Dear Steve, Hi, I am married, but I recently filed for chapter 7 in Dec. 08. individually. I was able to keep my house and car as long as I continued to make the monthly pymnts. About a week ago, to my surprise, my car was no longer in my driveway. The bank repo my car, for payments that were ... Read More »

Should I Use My Tax Refund to Pay Off My Credit Card? – Anna

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“Dear Steve, I owe $8000 dollars from one credit card. I don’t really owe any significant amount from the other credit cards I have. I’m expecting to receive about $8,000 from our income tax refund, should I just use all of that to pay my debt? I was thinking of saving the $8000 refund instead in case we need it ... Read More »

I’m Buried in Student Loan Debt and not Even Finished with School. – Levi

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Levi “Dear Steve, I am finishing school right now after taking a two year hiatus. The problem is that I already have 60k in student loan debt and I am going to be pushing 75k by the time I am done. With the current crisis in our economy noone is refinancing or taking on loan consolidations. What am I supposed ... Read More »

Mean and Abusive Husband is Going to Get Outraged Over Debt.

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Samantha “Dear Steve, I work full time. My mother watches my daughter. I am in the process of divorcing my husband who is mean and abusive. My credit sucks already but i don’t think I’m going to be able to keep up with the payments that we share. I have full custody. We have two loans together totaling about $5,000 ... Read More »

American Express Earnings Drop 80%. Oh, Boo Hoo.

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American Express, AMEX, reported a 79% drop in earnings in the fourth-quarter. I rounded it up to 80% because it just made me feel better. Apparently American Express customers are defaulting at a higher pace than expected and the downturn in the economy has lead to financial hardship of many card members. Could that be because they were allowed to ... Read More »

Lazy Nation Worried They May Be Put to Work.

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It’s time for a smile. Enjoy. Steve Read More »

I Have $120,000 in Credit Card Debt. Can I Eliminate That With Debt Invalidation? – Isabel

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Isabel “Dear Steve, I have $120,000 in credit card debt. This is due to a 3 year court case and paying attorney bills by credit card. My credit rating is 670+ and I have no late payments despite my 72% debt to income ratio. I am considering debt consolidation, debt elimination or debt invalidation. I don’t want to hurt my ... Read More »

Can I Really Use a Balance Transfer Deal to Get Out of Debt? – John

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“Dear Steve, I have one credit card with a balance of $22K and an 8.5% interest rate. I want to pay it off in the next 2 or 3 years or so. Would it make sense to do a balance transfer to another card that is offering 0% APR on all purchases and transfers until January 2010 and then 9% ... Read More »

Can I Trade My House In For a Smaller One Instead of Losing it in Foreclosure? – Hollis

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Hollis “Dear Steve, I am severly under water financially having lost a second income. Now my house is upside-down by probably $80K, both my credit cards are topped out and I owe $40K on those and I have been advised to declare chapter 7 bankruptcy. My retirement savings have plummetted because of the volitility in the market, so there is ... Read More »

Your God Loves Debtors

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So many people tell me about how ashamed they feel about their financial problems. They feel like losers, cheats or just bad people for not being able to honor their repayment promises. It is truly unfortunate that people find themselves in money trouble with debt casting a huge black shadow over their life as far as they can see. But ... Read More »

We Have $225,000 in Credit Card Debt. – Jane

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“Dear Steve, My husband is on disablity ($1300 per mo) and I am employed and take home about $3,000.00 every 2 weeks. We have $225,000 in credit card debt. Although we have not been late on a payment, we have been borrowing from Peter to pay Paul and can’t go on much longer as our monthly payments now total $4,800. ... Read More »

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