Latest Posts
Home > Author Archives: Steve Rhode (page 686)

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.

Jax Is Looking to Refinance And Has Some Questions

justball-144x125

“Dear Steve, I need to refinance my home in Oct of 2009. My credit score is 669. I have a mortgage of $130,000, home equity loan of $34,000, a car loan of $4,000, & credit cards of $4,000. Some credit cards don’t have balances. Do I close these credit cards and extend my home equity loan to pay for my ... Read More »

Tithing, Saving and Getting Out Of Debt – The Personal Finance Bloggers Brain Trust

justball-144x125

This weeks question put to the personal finance bloggers brain trust at GetOutOfDebt.org was: When people are working with a credit counselor or working up their own budget they often hear or believe that they should not make religious contributions and should not put any money in savings while they are making debt repayments. Instead, some believe that every dollar ... Read More »

“Who Is Going To Help The American People To Get Out of Debt?”

justball-144x125

I just saw someone searched for “Who Is Going To Help The American People To Get Out of Debt?” and landed here on the GetOutOfDebt.org site. It might be tough for me to help all the people that are going to be in financial trouble all by myself, but I’m doing my best to help. But I can use your ... Read More »

I’m The Debt Expert And Even I’m Scared

justball-144x125

Economic worries and concerns impact anyone that is paying attention and for those of us that have a bit of awareness and understanding about how the consumer credit and debt world works, it makes it even more frightening when looking into the crystal ball. I avoid debt, but I have some. But it is not the debt that scares me ... Read More »

Crys Writes In And Asks “We’ve Been to Credit Counseling But Should We File For Bankruptcy?”

justball-144x125

“Dear Steve Hi! I am a piano teacher, and due the bad economy have very few students, even though I am used to having plenty. We just moved because we could no longer afford where we lived. We gave up our house in a deed in lieu of foreclosure. My husband took a cut in pay. We owe about $400 ... Read More »

Christine Writes And Asks Me “Should We Liquidate The IRA to Pay Off Debt?”

justball-144x125

“Dear Steve, We have about $35,000 in current debt not including a home that is not finished. We have about $120,000 in IRA money. We own $75,000 in real estate free and clear that is for sale but not sold yet. Should we liquidate some of the IRA money to help out our debt? Christine” Dear Christine, The interesting thing ... Read More »

Where to Buy Really Cheap Bread

Discount Bakery Store

So with all the shopping I did recently for my two stories about price comparing between grocery stores and warehouse clubs, I was curious about what the cost for bread would be that this discount bread store I pass from time to time. The store is tucked off the main drag but I’ve caught a glimpse of it as I ... Read More »

I Hunted Down The Cheapest Warehouse Store For You

justball-144x125

Recently I wrote an article titled Sam’s Club, CVS, Walmart, Lowes Food & Food Lion – Who Has The Best Prices? The winner of that survey was the warehouse store, Sam’s Club and that got me wondering how Sam’s Club prices compared to other warehouse stores. So I got back in the car and went shopping and Costco and BJ’s ... Read More »

Lourdes Writes In “What Should I Do to Get Out of Debt?”

justball-144x125

“Dear Steve, I’m in debt really heavy from credit cards and other loans. What should I do to get out of debt. Lourdes” Dearest Lourdes, Wow, I really want to help you with some great advice and awesome guidance but gee-whiz a little more information would be really helpful. Maybe next time you write in you can share a bit ... Read More »

David Writes In “I’m About To Lose My House”

justball-144x125

David wrote to me at GetOutOfDebt.org and asked me for help with his debt situation. If you have a question, you can ask me for free help and advice also. “Dear Steve, I accepted a job in Seattle. My wife and family and home are still in Idaho. My wife is on a fixed income, and we have been hanging ... Read More »

Karen Writes In “Ex-Husband Isn’t Paying The Bills and He’s Trashed My Credit. What Can I Do to Repair It?”

justball-144x125

“Dear Steve, I have been divorced for one year. Our house was in my name and husbands. He never refnanced or sold the home. His late payments have started to ruin my credit report and credit score. Now it look as if the bank will foreclose. How can I repair my credit and how long will it take me? Karen” ... Read More »

America’s Job Bank – Find a Job Now

justball-144x125

Find a job in your state using the following links. There are a number of resources that you can use to find a local job. I’ve mentioned some of them already in a recent article. An often wonderful listing of job is available using the individual state employment sites. America’s Job Bank (also known as America Job Bank or AJB) ... Read More »

ML Writes In, “I Can’t Pay My American Express Card.”

justball-144x125

“Dear Steve, I am self employed and have lost an important account. I now cannot pay the minimum on my American Express card, which is $2,000.00. If I pay them I can’t pay my other expenses. Have you any ideas ?” Dear ML, Ouch! I know how much it hurts to lose a major account and have your income suddenly ... Read More »

Diane Writes In “I Want to Settle My Debt. My Creditor Wants to Take Me to Court.”

justball-144x125

Diane wrote to me at the GetOutOfDebt.org site and asked for help with her debt situation. You can write me too if you need help. Here is what Diane said: “Dear Steve, I have signed up with New Beginnings to get out of debt. I have paid them for two months so far and have stopped paying on a loan ... Read More »

Sam’s Club, CVS, Walmart, Lowes Food & Food Lion – Who Has The Best Prices?

justball-144x125

So Pam and I were talking about where to shop for the best prices and rather than guess, we got in the car and went price comparing. To get a wide comparison of prices we went to Sam’s Club for wholesale prices, Walmart for bragging cheap prices, Lowes Food for your typical grocery store, Food Lion for a discount grocery ... Read More »

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.