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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.

South African Consumer Debt Spinning Out of Control. Half Of Work Force Can’t Pay Their Debts.

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Last year I had the opportunity to visit South Africa and take a firsthand look at the consumer debt situation. There was no doubt even when I was there that there was going to be a huge explosion of consumer debt problems. New regulations passed recently give more control to debt counselors to go before the court to have debt ... Read More »

The Ultimate Contractor Fantasy – Finding Hidden Money

Depression Era Businessman

A home improvement contractor cracked through the wall while doing a bathroom remodeling job to find $182,000 hidden there in during the great depression by a wealthy businessman of the day. But the story does not have such a happy ending. It turns out that the current homeowner, Amanda Reece, was having a bit of financial trouble and wanted to ... Read More »

Constipated Lending Makes Economy Ill

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Our economic life cycle is dependent on all all parties doing their fair share of the heavy lifting. Finance companies and banks lend – consumers buy stuff using credit – stuff must be built – jobs are created and so forth. We keep hearing about a crushing windpipe grip on banks and the government pleading to them to lend again. ... Read More »

Gift Cards, The Gift That Can Stop Giving

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Gift cards have been a great tool to give people for rewards and presents. And not that we are creeping towards that holy and special gift giving time of year and gift cards will line the racks and fall first into our consideration of things to give, WATCH OUT! With the danger of so many retailers not making it through ... Read More »

Canadian Debtors Excel At Bankruptcy

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Debtors in Canada are slipping into deep kimchi when it comes to their finances. Just announced the number of bankruptcies in Canada rose 18.7 percent in September. On an annual basis, the Office of the Superintendent of Bankruptcy said that failures were up 28.4 percent. Ontario and Quebec recorded the most consumer and business bankruptcies. Read More »

In The Face of Debt

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In the face of debt I fear In the face of debt I withdraw I anger I cry In the face of debt I become invisible to myself In the face of debt I fail In the face of debt I feel powerless I feel hopeless I feel pain But in the face of debt I deserve your care, your ... Read More »

What to Do if Your Creditors And Bill Collectors Make You Really Angry

There is only so much one person can take.

I’ve heard more people issue swear words and threats against creditors and debt collectors than you can imagine. Having the pressure increase when you are in debt makes good people say and do silly and regrettable things. Many feel those normal emotions but feeling like you are going to explode or wanting to kill the debt collector or yourself is ... Read More »

So You Have to Use Your Credit Card In An Emergency – Personal Finnance Bloggers Question of The Week

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This weeks personal finance brain trust question was: What goes through your mind when people say that they HAD to use their credit card to get by? Is using a credit card when you can’t afford to pay a smart or necessary thing to do? WC – A 27-year-old writer living in Chicago and writing about personal finance through The ... Read More »

There Is No Good Debt and Bad Debt. Debt Is Debt.

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Like nails on a blackboard, the mere mention of this notion that there is good debt and bad debt, irritates me. Debt is debt. So I was reading this article on a law enforcement site about debt faced by police officers and it was trying to rationalize the old good debt versus bad debt argument. The concept of good debt ... Read More »

People Do Stupid Things to Get Out of Debt. Postal Worker Sent to Jail.

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It never surprises me anymore to hear the silly things that people do to get out of debt. It easily ranges from outright theft, embezzlement, credit fraud, identity theft, etc. But it does always surprises me to hear people say they are so paranoid about identity theft that they refuse to use a credit card on the Internet, yet they ... Read More »

Should I Tithe While Getting Out of Debt?

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She and her husband are working diligently to get out of debt . They want to direct as much money as possible to digging out of their hole, but at this point they are also trying to keep their heads above water. I am not an authority [. ... Read More »

Financial Counselor, Credit Counselor and Foreclosure Counselor Stress

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The real world can never understand how much pressure a credit counselor, debt counselor or housing counselor deals with on a daily basis. Allowing your work to invade your walls is easy to do. Those of us who care can find ourselves worrying about the people that turn to us for help and not letting them down. But we often ... Read More »

How to Avoid Being Scammed by a Foreclosure Rescue Promise or Plan

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Foreclosures are increasing nationwide, and so are scams that promise to “rescue” homeowners from foreclosure. What these scams do is take your money, ruin your credit record, and wipe out any equity you have in your home. Foreclosure con artists take advantage of people who have fallen behind on their mortgages and face foreclosure. Con artists know that people in ... Read More »

New Scam Aimed At Desperate Consumers Looking For Government Loan or Free Government Money

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According to the Federal Reserve, con-artists have unleashed a new scam aimed at consumers in financial trouble or desperate for a loan. The Federal Reserve Board on Tuesday alerted the public to instances of questionable solicitations directed at consumers. These solicitations promise consumers access to personal loans through a nonexistent Federal Reserve lending program. Under this fraudulent scheme, targeted individuals ... Read More »

Four Of The Most Stereotypical and Funniest Videos About Debt

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I don’t know what you’ll think of these videos but I thought they were very funny to watch. Or maybe some of this might hit too close to home for you. If it does, I’m here to help. Let me know what you think. The debt video of the year award should go to the folks at Burnrate.ca. Excellent job ... Read More »

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