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Home > Author Archives: Steve Rhode (page 671)

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 Need Some Advice and Referrals For Bankruptcy and a Debt Financial Counselor. – Georgina

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Georgina “Dear Steve, I owe a total of about 130k in cc & student loan debt. Student loans account for 70k. not sure how to start repay or bankrupy. I’m just 2 years back in workforce now. I make 50k yr with room for increase near future. Help, overwhelmed I need some referrals for debt finanical counselors and or bnkruptcy ... Read More »

Is Buying a Used Car With a Credit Card a Good Thing? – Karla

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Karla “Dear Steve, Is buying a used car with a credit card a good thing? Karla” 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 back debt. – Click Here The Answer   Dear Karla, Excellent question. My answer may surprise ... Read More »

How Can We Go About Getting My Wife’s Name Off of This Debt? – Hank

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“Dear Steve, I was offered to apply for overdraft protection on a checking account via telephone. As it turned out, all overdraft payments were actually cash advances, therefore high interest rates. But this is the problem. My wife recently got her annual credit report and found that the bank had this on her credit as a joint account. My wife ... Read More »

I’m 24 and About $20,000 in Debt Plus I Try Real Hard to Pay Them. – Andrew

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Andrew “Dear Steve, I’m 24 and about $20,000 in debt plus i try real hard to pay them but i don’t make alot of money and the credit card people don’t care they just what money, money and more money Plz help i would like to get out of debt or get it real down Sam” Don’t miss our free ... Read More »

Do We Have Any Viable Alternatives Other Than Bankruptcy? – Paul

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“Dear Steve, I have piled up over $60k of credit card debt over the past couple of years. My gross income has been in the $55k range for the past two years. I am in a business where my income should continue to grow but with minimums around $1300 per month I’m very close to falling behind on these and/or ... Read More »

What Are My Options Other Than Filing Bankruptcy to Help Me Reduce the 25% APR on My Bank of America Credit Card? – Bobby

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Bobby “Dear Steve, I’m a college student, age 22, and have trouble reducing my credit card debt due to the high interest rates. I have nearly reached my credit limit of $5,000 with my Bank of America Credit Card due to the apr of 25%. My credit score has been reduced to poor due to a few late payments (3) ... Read More »

Is It Possible to Avoid Bankruptcy and Prevent Our Creditors From Attaching Judgment Liens On Our Properties? – David

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“Dear Steve, I’m a real estate investor and my wife is a Realtor. We have used my wife’s credit to accumulate debt of $180K in unsecured personally guaranteed business LOC and credit cards in one corporation and $100K in of the same in a limited liability corporation. I filed personal bankruptcy 4 years ago and thus the reason we are ... Read More »

I Have a Mortgage With Chase, Will They Work With Me to Lower Payments? – Janet

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“Dear Steve, We have more debt than we can handle. We have just seen a lawyer about bankruptcy. Even with bankruptcy our mortgage may be too much for us. I have a mortgage with Chase – after banruptcy will they work with me to lower payments? I have never been late with payments. Janet” Don’t miss our free Get Out ... Read More »

Our Monthly Income Has Dropped From 10K to 3K, Now What? – Maria

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“Dear Steve, I have over 30k in card debt 2 mortgages 200 k and 70k with a balloon mortgage due in 04/10 on the 70 k our per month income has dropped from 10k to 3k Now what? help!!!!!!!!!!!!!!!!!! Maria” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads ... Read More »

I Quit My Job in October and I Can’t Find a Job But I’m Still Looking. – Sonya

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Sonya “Dear Steve, I quit my job in October and I can’t find a job but I’m still looking, I just had my credit looking decent because of a default student loan. And bought me my first new car and had 4 credit cards I didn’t use until I was unemployed. I know it was stupid but my husband of ... Read More »

Don’t Let Your Debt Consume Your Life. Take Advantage of Free Beauty Around You.

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Don’t let your debt consumer your life, certainly a nice thing to say but it is important for you to try to make it a reality. You see terrible debt and its consequences is nothing more than one component of your life at this moment. Debt should not define you, or limit you from still reaching out to find joy ... Read More »

Do we qualify for debt assistance if we are not completely broke and have made all our payment on time? – Shannb

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“Dear Steve, My husband has been self employed for 15 years as a builder and other among other things. For the past year he has just been an investor in the stock market. Building has not been a good trade for a while. We have taken a large loss and have high debt. The debt was not bad 4 months ... Read More »

Mortgage Company Disappears, Won’t Take Payments, Violated RESPA – Reta

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Reta “Dear Steve, Mortgage company disappears without claiming foreclosure, violated RESPA, never contacted us after obtaining the loan, never sent monthly statements, contacts us after we find them, then tells us they will work out a plan, we send in a payment…3 weeks later they send it back, say they are filing bankruptcy, and never did, and now its been ... Read More »

I Was In the Navy and Air Force and Now I Need to Get Debt Free? – Marilyn

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Marilyn “Hi Steve, I’m really deep in debt and don’t know how to start getting out of it. Every time I research an article thinking that it could be helpful, I get discouraged because I don’t think I can adjust it to my situation. Let me begin. When I got out of the Navy, I started receiving credit card offers, ... Read More »

When the Mortgage Industry Suffered My Husband and I Also Did – Ai

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Ai “Dear Steve, Like the rest of the country when the mortgage industry suffered my husband and I also did since we were both in the industry and were paid commission only. I was lucky enough to find a job but catching up on bills and having only one income resulted for me to go to those money advance places. ... Read More »

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