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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.

My Mom is in Debt and She Cries Every Night. I Can’t Stand to See Her Sad. – Calvin

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Calvin “Dear Steve, Hi, my mom is in debt and she cries every night. I can’t stand to see her sad. The economy is horrible and we may not be able to afford our next house payment. How could I, a 13 year old help my mom. I will work, I will fight, I’m willing to do anything. Please just ... Read More »

I’m Worried About What to Tell My Creditors About My Upcoming Bankruptcy. – Janet

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“Dear Steve, Married with no dependents & in over our heads – we are going to a lawyer soon about bankruptcy – there is no other way – I am horrible depressed – talked to a few creditors & all they want to do is stop one payment no matter that I tell them the following month we would be ... Read More »

If You Went Bankrupt But Did Not Include All Your Debt, Read This.

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Recently I answered a question from Lynn, “My Car Went Missing From My Driveway Because My Ex-Husband Didn’t Make The Payments.” In that question she brought up the fact that she had gone bankrupt but had not included all of her debts in her bankruptcy and now she was in trouble with those debts not included. I went to my ... Read More »

How Do I Remove Charge Offs From My Credit Report? – Debt Chicken

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Debt Chicken “Dear Steve, Okay, so I did the ignoring thing with two credit cards and the banks charged them off. However, when I was finally able to pay them, I paid them off one through an attorney and the other a collection agency. My current credit reports shows the original creditor as charging them off and the collection agencies ... Read More »

What Is The Best Way To Pay a Collection Company? – Martin

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Martin “Dear Steve, I’m ready to fix my bad credit. What is the best way to pay collection agencys, should i go through a debt management program or pay them myself? Martin” 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 »

Should I Forego Credit Completely and Just Live on Cash? – Lady Chicken

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Lady Chicken “Dear Steve, I have just under 50k in student loan debt and 8k in unsecured debt. I will have paid off the 8k by June or July of 2009. My credit is horrendous and even though I have am now current on all bills I do have a credit file with a redeemed repo, three charge offs and ... Read More »

I’m Inquiring About You. – Ellen

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Ellen sent in a question that I thought was worth covering again on this site. Here is what Ellen sent in. I’m inquiring about YOU. I sent this email a few minutes before but don’t think it went through, so am writing again. I am inquiring about YOU and your site. You say you don’t make $ on others but ... Read More »

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 »

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